Study On Credit Management Mechanism Of Liaoning Rural Credit Cooperative

Credit asset business, as one of major business rural credit cooperative, its interest revenue occupies over 95% of rural credit cooperative revenue. Consequently, the fit and unfit of credit asset quality has a bearing on a rural credit cooperative's survival and decline. The urgent problem to be solved for the rural credit cooperative is to intensify risk management, avoid and decrease credit risk limitedly in the principle of prudent operation.This article proves a point of risk and problem existed in the credit management of Liaoning rural credit cooperative. In order to strengthen the credit risk management, and reinforce ability to the control and resolve loan risk, the author proposes the suggestion to improve improving credit management mechanism of Liaoning rural credit cooperative on the basis of learning experiences of advanced commercial banks and combining with practical situation of rural credit cooperative and in the principle of Supervise and Management, Power Balance, Compliance Loan, Positive Incentive and responsibility-locating. It mainly studies the credit supervising organization frame, credit business operative mechanism, risk warning and control system, incentive and distribute mechanism, differentiation credit management and so on, which establishes the practical credit management mechanism for Liaoning rural credit cooperative to insure rural credit management to bring about sustained, heath and stable performance, and improve the management level and risk-prevention ability of rural credit cooperative constantly.