Rural Credit Cooperatives Non-performing Assets Causes And Countermeasures

Rural credit cooperatives is to support the development of rural economy mainstay for regional economy development, especially the rural economic development to make positive contribution. But owing to historical, system, policy factors, rural credit cooperatives in developing formation of bad assets, especially bad loans seriously restrain oneself operation and support local economic development ability. Taking changsha rural credit cooperatives as an example, this paper analyzes changsha rural credit cooperatives nearly 3 years of bad assets of the present situation of the forming reason systematically studied. This paper holds that because a loan of policy loan of easing, expand, make changsha non-performing assets formed a large quantity, universal, the creditor's rights structure complicated situation. According to the changsha rural credit cooperatives since 2007 business statistics, changsha non-performing loans business 2007 is 83771 million yuan, the non-performing loans of loans 27.64%; The 2008 annual non-performing loans for 94138 million yuan, the non-performing loans of loans, the 29.75% increased over last year,2009 annual total non-performing loans for 91081 million yuan, the non-performing loans of loans 24.31%,2009 the total annual changsha non-performing loans with 2008 down slightly, but compared with total is still is bigger. Contrast of nearly 3 years of deposits, loans business growth of rural credit cooperatives, changsha of non-performing loan ratio overall declined, but still holds a higher proportion. Through the analysis, this article also think:changsha rural credit cooperatives of non-performing assets of form, system, loan object, credit cooperatives internal management and the quality of staff in aspects of reason. Therefore, this paper suggests should through the system reform, strengthen government functions, with the government power and legal means to dissolve the existing non-performing assets, through standard loan procedures, strict censorship loan object, strengthen internal management, improving staff quality and so on dissolve and prevent new non-performing assets production.