The Research On Credit Risk Management Of The Rural Credit Association In China

Along with trade or craft competition aggravating, the rural credit cooperation starts to pay great attention to from is extensive transforms to the intensive management, take the efficiency as the center, the pursue finance innovation and the enhancement service efficiency. Starts positively to explore the establishment scientifically, the effective management achievement appraisal system, starts to pay great attention to the profit ability, the property risk condition synthesis appraisal. But, regarding the concrete credit operation, how the credit risk management effect also lacks effectively, the practical appraisal method. This article attempts to the credit risk management achievements appraisal to propose the concrete procedure, provides the model take the time as the credit risk management achievements appraisal method consummation.This paper embarks from our country rural credit cooperation credit risk management present situation, through to the overseas risk management theory research, such as the New Basel capital agreement, USA deals with bad assets experience and so on, discussed and studies has suited our country rural credit cooperation credit risk management the system and the method, to the time was rich and the perfect rural credit cooperation credit risk management theory.The banking industry is the typical risk profession, the perfect risk management system is the bank is effective, the safe operation premise guarantee. This paper proposed from enhances the credit risk recognition technology, strengthens the credit management system the innovation, consummates the drive restraint mechanism, the implementation joint stock system transforms and strengthens aspect and so on internal control improves the rural credit cooperation credit risk management internal environment, enhances the credit risk the control. This is advantageous to the rural credit cooperation strengthen sin keen competition with the consummation interior credit risk management, reduces the credit risk, the enhancement competitive ability.