Study On Preventing Non-performing Loan Of Rural Credit Cooperatives

Rural Credit Cooperatives,including Rural Cooperative Banks,Rural Commercial Banks,play the main role in supporting agriculture,rural area and farmers by providing financing service.Within the current financing system frame in China,rural credit cooperatives,as the very important assistant of local government,take the burden of providing financial service,promoting rural economic development,enriching farmers.However,because of the imperfectness of our rural financial system,there is a lack of complete administrative method to rural credit cooperatives,the increasing non-performing loan has become a serious problem affecting the survival and development of rural credit cooperatives.It is impossible for rural credit cooperatives to fulfill the duty to support agriculture,rural area and farmers under heavy pressure of non-performing loan.Rural economic development is suffering the difficulty of financing and the high cost of financing,which makes it uneasy to enrich the whole population in 2020 in China.So preventing the increase of non-performing loan,optimizing the asset quality have become the deep concern of rural credit cooperatives and the whole rural financing system.This essay deeply analyses the causes of non-performing loan from different angles based on real cases,introduces risk-preventing measures and developed financial system,puts forward suggestions of preventing non-performing,with the hope to help XX Rural Cooperatives elevating its loan asset quality and providing better financial service for the development of XX rural economic development.