Research On The Risk Management Of Micro Rural Credit Business In LLZ Credit Cooperative

In recent years, the rapid development of micro credit business has been gradually added to the mainstream of the financial system. However, due to China’s rural areas the overall credit degree is low, farmers timely repayment consciousness difference, micro credit risk assessment, identification, control system is not perfect and so on, in a certain extent aggravated the occurrence of micro credit business risk, resulting in the rural credit cooperatives, agricultural loan non-performing loan rate high. This has seriously affected the development of rural credit cooperatives, credit business, has hindered the healthy development of the rural financial system. In this situation, reducing the rate of non-performing loans, controlling credit risk and improving the quality of credit business, has become an important issue which needs to be solved urgently in the course of the development of rural credit cooperatives.Based on this, this paper elaborated in detail based on the micro credit risk management theory, micro credit business risk management in the rural credit cooperatives in LLZ as the object of study, empirical research, in-depth analysis of the LLZ rural credit cooperatives microfinance business development status, management status and sources of risk. And based on real data and the modeled on rural credit cooperatives microfinance business risk management problems and constraints are analyzed, the Logit regression model for micro credit risk of LLZ Rural Credit Cooperatives Based on the identification and assessment, through the sample quantitative analysis, data model and comparative analysis find, risk identification and assessment scheme, a detailed analysis of LLZ rural credit cooperatives microfinance development status and the status of risk management, explores the existence of LLZ rural credit cooperatives microfinance business risk management problems and restrictive factors, and in the comprehensive previous research results, from a risk management system, method, innovation, and early warning team construction and other aspects of the strengthening of LLZ rural credit cooperatives microfinance business risk management suggestions.Three conclusions drawn by this study: LLZ rural credit cooperatives microfinance business there are many problems and need to be perfected; the second is the LLZ rural credit cooperatives exist in the micro credit risk control problems. The main reason lies in micro credit risk recognition mechanism is not perfect, the lack of scientific and complete risk assessment system, and the lack of professional risk management team; for LLZ rural credit cooperatives microfinance business risk management in the existing problems, it should be from multiple aspects of recognition of credit risk, credit risk assessment, credit risk control, adopt measures for the improvement.