The Research Of Risk Control System Of Rural Financial Cooperation

Rural Financial Cooperative is a new cooperative financial organization, is to meet the growing demand of rural finance, the rural economic development, and by farmers and rural small businesses to voluntarily shares mutual aid community banking institution established spontaneously. Since the first Rural Financial Cooperative set up, just a few years it is all over the country, while the government has been also increasing its policy support further development trend of it. In 2007, the CBRC issued the “Interim Provisions” of Rural Financial Cooperative Management, affirmed the legal status of Rural Financial Cooperative, as well as stipulate its management etc to regulate its operation. But the stipulation exists many defects in the design of the system, thus not only does not promote the better development of Rural Financial Cooperative, but has brought a series of problems, which makes Rural Financial Cooperative operating difficulties, slow development. In addition, there are many free outside the provisions of Rural Financial Cooperative, this part of Rural Financial Cooperative due to the lack of legal recognition and protection, suffered various risks in practice, frequent problems. In order to protect Rural Financial Cooperative sustained and healthy development, the correct understanding of the risks faced by Rural Financial Cooperative, is of great significance to promote the improvement of its risk control system.Based on existing research results, discusses the risk control problem of Rural Financial Cooperative in our country, except the introduction and conclusion, the full text include five chapters.The first chapter is the basic theory of Rural Financial Cooperative. Through the concept, features, nature, background and the meaning of existence description of Rural Financial Cooperative, to define the research object, and to lay the foundation for the subsequent analysis.The second chapter introduces the characteristics and risks of Rural Financial Cooperative in our country. First, introduces the features of Rural Financial Cooperative present in the process of development, and then focuses on the analysis of the legal risk, credit risk, operational risk, liquidity risk and market risk of Rural Financial Cooperative in the development.The third chapter is the present situation and problems of risk control system of Rural Financial Cooperative in our country. First, a brief description of current situation of risk control system of legislation of Rural Financial Cooperative in our country. Secondly, from the legislation, supervision of external risks, internal risk management, risk self-discipline management of industry and information disclosure system, to summarize the vulnerability of risk control system of Rural Financial Cooperative in our country.The forth chapter is foreign experience and inspiration. Sums up and draw lessons from the foreign relevant system and experience.The fifth chapter is the specific recommendations to improve risk control system of Rural Financial Cooperative in our country. First, put forward suggestions to improve the relevant legislation. Secondly, from the regulatory body and the supervision principle of selection, market access, operation system, deposit insurance system, market exit and other aspects, to propose the suggestion of establish effective external risk supervision system. Thirdly, from improve internal governance structure, improve internal risk assessment system, regulate finance and audit system, improve internal risk management measures, four aspects to propose feasible internal risk management advice. Forth, discusses the risk of self-discipline of industry associations play a role. At last, put forward some suggestions to perfect the information disclosure system.