Study On The Causes And Countermeasures Of Rural Credit Cooperatives Non-performing Loans

The non-performing loans has been accompanied by the financial industry development. It’s difficult to avoid it as long as there is a credit relationship. The non-performing loan rate is an important indicator of induced financial crisis, also decided the bank profit ratio and core competitiveness of the important factors. So the problem has been praised by domestic and foreign financial concerns. In view of the rural credit cooperatives of the particular geographical location and social environment, how to dispose of non-performing loans has been a problem that the rural credit cooperatives must face and attention.Based on this, this article draws on domestic and foreign relevant theories of non-performing loans, describing the present situation of the non-performing loans of rural credit cooperatives. Analyze the causes of non-performing loans within four angles:the economy, government, loans, and credit unions. In this point, in the summary of foreign commercial banks the way they deal with bad loans, we can putting forward the principle of disposal of bad loans and made operable countermeasures.