Study On Risk Control System Of Non-performing Loans In The A Rural Credit Cooperatives

Since the state decided to innovated on the rural credit cooperatives system in 1997, with the further reform of them all kinds of contradictions and problems are emerging, the non-performing loan is one of the problems. The great deal of non-performing loan in rural credit cooperatives system restricted the further reform and development, how to dispose the large non-performing loans has become an important task of rural finance.This thesis has drawn China and abroad finance risk administration theoretical analysis, bad assets of A rural credit cooperative current situation and cause of formation and their history developments. Then connection with the problem of A rural credit cooperative that the non-performing loans always keep a high level, according to the guiding ideology and base of the design theory of risk control, designed the feasible system of risk control to reduce the non-performing loan risk. The system of "non-performing loan risk control" includes four parts: ready for the readjust oneself to a certain extent loan examining, strict control the loans sent to the enterprises having connection, strengthen the final-period management of a loan after it gives out, and to build a risk transfer mechanism. Then, the thesis have brought forward the relevance supporting measures of the non-performing loan control in the A rural credit cooperative .In this part ,it include four aspects :employee team construction , achievement effect test and assessment and salary payment system mainly , informationize construction and corporation culture building. In order to ensure that the system of "non-performing loan risk control" is able to control risk more effective.In the process of the thesis study, the research method applying has demonstration analysis method, the diagram analyses method and case analysis method mainly. The maximal innovation of this thesis is on machine-made design of risk transfer, not only having led into insurance mechanism, but also have suggested that credit cooperative should comparing with the enterprise go along that the go in for finance rents cooperation, to achieve the purpose of evade and change risk , that is a big brightened dots in the thesis.