The Research Of Rural Credit Cooperatives Bad Loans Factors And Countermeasure

The problem of non-performing loans with the development of the financial industry exists, is one of the major risks of financial institutions. As long as there is a credit relationship, it is impossible to avoid the bad loans, it is an important index of induced financial crisis, it is also an important factor influencing the core competitiveness and profitability of financial institutions, how to resolve the non-performing loans of financial institutions has become an important topic of concern at home and abroad. The rural credit cooperatives in the geographical position and the social environment is very special, with its own management system lags behind, the heavy burden of history, how to dispose of non-performing loans has become a rural credit cooperatives must pay attention to the problem. Effects of non-performing loans has a great quality assets of rural credit cooperatives, caused a great threat to the healthy development of the credit cooperatives, therefore, in-depth analysis of the current situation of rural credit cooperatives, the source, the non-performing loans and non-performing loans disposal countermeasures put forward corresponding is imminent. In this paper, based on the relevant theoretical basis, taking Cars an example, in-depth analysis of the status of the non-performing loans of rural credit cooperatives, the origin cause of formation of non-performing loans of rural credit cooperatives, and puts forward some countermeasures for the disposal of non-performing loans, and provide a theoretical basis for the reform of rural credit cooperatives, this paper mainly includes:Chapter one, introduction. Briefly describes the research background, research significance, literature review at home and abroad, the main contents, research methods and research innovations and shortcomings.The second chapter, the definition and theoretical basis. Firstly, the definition of non-performing loans, followed by a brief overview of the relevant theory, the principal-agent theory, asymmetric information theory, incomplete contract theory, relational financing theory, risk management theory and the theory of cooperative finance.The third chapter, analysis of the current situation of the non-performing loans of rural credit cooperatives in C city. Summarized the history and development of rural credit cooperatives in our country, the basic situation of the rural credit cooperatives of C are analyzed, the use of C rural credit cooperatives related focuses on its non-performing loan status.The fourth chapter, analysis of the causes of bad loans of rural credit cooperatives. From the government point of view, the economic system point of view, the point of view, credit cooperatives and other aspects to analyze the causes of bad loans of rural credit cooperatives.The fifth chapter,puts forward the non-performing loan risk prevention measures. The basic situation of non-performing loans and non-performing loans of rural credit cooperatives in the previous analysis of the causes, according to the author for many years engaged in the management of non-performing loans in the experience, and puts forward some constructive ideas, including:strengthening the construction of the internal management system,credit standard operating procedures; strengthening credit construction personnel; the government to formulate relevant policies to support.