Rural Credit Cooperatives Credit Business Innovation And Risk Control Research

Rural credit cooperative is an important constituent in rural financial system. Its service regional is countryside and service object is farmer, which relates to the development of agriculture, the increasing of farmers’income and even the entire financial system’s safety. At the end of2006, the loans of the national rural agricultural reached to2.65trillion, which occupy the58.9%of the agricultural loans totaling. However, with the diversification of economic structure, the rural economic demand presents diversified. The existing credit management mode, the credit innovation varieties and service couldn’t meet the demand of the sustainable development of agricultural economic. Therefore strengthen the efforts in credit product innovation and risk management is vital to supporting agriculture, rural areas and farmers.This paper based on finance and management theory, using the methods of standard and empirical analysis to analyze the present development situation of credit business the problems and reasons, and risk control methods. Then proposed the patter of innovation of credit business. Finally, proposed development countermeasures of rural credit cooperatives.On the basis of the theoretical and development achievements at home and abroad, this paper explains the relevant financial theory, the development process of agricultural credit and the theory of credit risk control. Firstly, discusses the significance and the purpose of agricultural credit of rural credit cooperatives. On the basis of referring to the domestic research and summarizing the domestic and foreign theory, this paper cleared the research content and methods. Then through the common synergetic analysis method, this paper summarized the basic knowledge support of foundation knowledge of the credit innovation and risk management, which provide theoretical foundation for on-the-spot investigation. By using the quantitative analysis and qualitative analysis method, this paper discusses the basic situation of credit business of rural credit cooperative from the scale of credit business development; point out the problems in the process of the development of T-shi credit cooperatives from the system, mechanism, supervision and management, etc. The paper adopt on-the-spot investigation and illustration method to introduced the credit business innovation products of rural credit cooperatives, then analyze some mainly credit products, such as farmers microfinance, farmers common loans, level credit loans of individual economic household, credit community loans, farmers’ professional co-operatives loans, white-collar express loans. Using the principle of summary analysis, the paper raised appropriate risk control method. Mainly introduces the recognition, measurement and control of credit risk., then introduces the risk control points of the main credit product. Finally, according to principles of operability and the principles of sustainable development, discusses how to develop the credit business innovation, and how to control the credit business risk. Then propose measures to promote the development of credit business; make a profound summary of rural credit cooperatives in T-shi.