Jingning County Rural Credit Agency Credit Risk Management Control Research

As the main service of the rural economy in our country, the most important financing channel of rural credit cooperatives and rural areas of China, in China’s rural economic less developed areas, providing a very high proportion of funds to support rural credit cooperatives for rural township enterprises and agricultural activities. In today’s society, with the development of financial innovation and financial liberalization emerge in an endless stream, facing the rural credit cooperative society business environment has become more complicated. As financial institutions operating money, Jingning rural credit cooperatives and commercial banks elsewhere, management control of credit risk has been the focus of the management of rural credit cooperatives in Jingning county. However, the current Jingning County Rural Credit Cooperatives in the overall quality of staff is not high, credit business, credit risk management is not perfect, is not accurate enough, the Lender Credit rating credit management and control system to develop the problem is not comprehensive enough and credit risk early warning system is not perfect etc.. These problems increase the Jingning County, the credit risk of rural credit cooperatives, and restrictions on long-term development of Jingning County Rural Credit Cooperatives, but also weakened the support Jingning County Rural Credit Cooperatives for rural economic development of Jingning county’s function. Improve the credit risk management control level is Jingning County Rural Credit Cooperatives to inevitable requirement for long-term development, and the establishment of scientific and effective credit risk prevention system, financial guarantee and support is also on the development of Jingning County, the "three rural" economy and the construction of national socialism new countryside can be realized smoothly.In this paper, the control of Jingning County Rural Credit Cooperatives and credit risk management as the research object, research methods combined with qualitative and quantitative, of the Jingning County Rural Credit Cooperatives at present, credit risk management and control situation and problems in credit risk management problems and the resulting credit problems are studied, and the management and control the credit risk arising from the proposed to solve the problem of Jingning County Rural credit agency credit risk management problems and strengthen risk management to control credit advice. Not only can improve the Jingning County Rural credit agency credit risk management level, but also for the Jingning County Rural Credit Cooperatives in the improvement of credit risk management system to provide certain reference value, so as to solve a series of problems existing in the management of credit risk control in Jingning County Rural credit agency, establish scientific and effective credit risk management control mechanism, ability to control credit risk management, at the same time, research on the Jingning County Rural credit agency credit risk analysis for the long-term development of the credit cooperatives have a certain practical significance, the study also for other rural credit cooperatives to provide necessary reference, provide important reference value for the development of modern credit risk management system of our country construction and rural credit cooperatives.