Rural Credit Cooperatives, Non-performing Loans Recovery Mode Study

Because of its operating characteristics and environment, the rural economy had a rapid development in recent years, in this long-term support process,the rural credit cooperation itself has also got a great development, but in comparison with their peers, their non-performing loans remained relatively high. This condition severely restricted the survival and development of rural credit cooperation. Although the rural credit cooperatives throughout the country still put on "liquidation income year", "liquidation income month" and other activities,because of the complexity of the rural work, the liquidation income effect is relatively poor, and the non-performing loans often increasing, as well as a rebound after the liquidation income activety. Learn from commercial banks to non-performing loans or non-performing asset risk management model,summarize the success of the liquidation income approach, in order to get an effective way to clear revenue model of non-performing loans, has an important practical significance for loans and clear revenue guidance.Research on non-performing loans in the rural areas at present clear revenue model is almost blank, the general response is to propose ways for the sake of discussion, it is difficult to adds up to a theory or a strateg plan, thus making it difficult to guide the actual work, this situation demands theoretical breakthroughs and innovation.In this paper, after deep investigation and experiments into the practice of ideological strategies on the basis of experiences and lessons in practical work, combined with the theory learned in the author's post-graduate period, using the interpretation-induction method, refining five main types of rural credit cooperatives clear model of non-performing loans closed. Which is clear accountability for non-performing loans closed mode, the external clear revenue model of bidding, the government collaborate Liquidation income mode, clear revenue model of the proceedings, make an inventory of assets, the Liquidation income close mode. To fill the gaps in the domestic research in this area in order to play a catalyzing clear revenue model of non-performing loans to promote theoretical research, and thus able to effectively guide the clear purpose of the practice income. To promote the stability of rural credit cooperatives and sustainable development.