Based On The Cross Test Of Rural Credit Cooperatives Credit Risk Control Research

Rural credit cooperatives facing rural areas directly is the main force on providing farmers funds and financial services.It palys an irrepalceable role in ajusting the rural economic structure,promoting the rural economic development and increasing farmers’income.However,its objects’particularity increases the risk of credit loans. If it can not carry the risks associated with effective control and management,the risks will not only affect the development of rural credit cooperatives enthusiasm, but also will restrict the development of rural economy, as well as affect the construction of our new countryside. In recent years, our country makes efforts to implement the rural financial system, deepen reform of rural credit cooperatives. But for now, due to the associated reforms are often more form than heavy weight nature makes the reform of rural credit cooperatives did not achieve the desired effect. Therefore, how to effectively regulate the management and control of rural credit cooperatives, prevent the risk of loans have become relates to the future and destiny of rural credit cooperatives and rural economic development of important issues.survival and development, but also affect China’s agricultural structure adjustment and rural economic development. However, many problems still exist in rural credit cooperatives, especially credit risk. If the risk can t effectively manage and control, it will seriously restrict the development of rural credit cooperatives, and affect the new rural construction.This paper systematically introduce the concepts and some features of credit risk and then state the identification to credit risk as well as assessment method to credit risk in the base of studying some research status of thesises at home and abroad. Analysising a case of applying for loan by using the method of crosscheck to introduce the method of crosscheck in detail. This part is the innovation point of this paper. Finally, this paper provide some suggestions to prevent credit risks from the point of credit risks, manage risks,policy risks and environment risks.The cretivity of this paper is using the crosscheck to analysis some information of applications in order to oberserve the loan repayment ability by quantitative analysis and the repayment willness of the loaner by qualitative analysis. At the same time with the method of integrating theory with practice, the credit development is from the experiment to the first practice, and then forming theory, and form a new theory in the process of continuous practice.It is sa practice to theory and practice of the development process of a cycle. The research of this paper is on the basis of the existing credit related theory and research LY the development of rural credit, on LY the existing problems in the development of rural credit and risk measure has carried on the theory in this paper. In the process of analysis, application of information economics, econometrics, economics research methods for theoretical analysis of specific issues, to ensure that deep research.