Study Of Rural Credit Cooperatives And Credit Risk Management In Zhengding County

The financial industry is the pillar industry of the national economy is the core ofdevelopment，while the bank is the main body of the financial industry，is an importantbackbone．Rural credit cooperative is an important part of China financial industry，in thedevelopment of various financial services，but also bear the "three agriculture" constructiontask and mission，is building a new socialist countryside，support the development of othercommercial banks，to a certain extent，rural credit cooperatives to shoulder more socialresponsibility than other banks．The core issue of China’s agriculture is the low income of the farmers．Many factorslead to the low income of the farmers，the most prominent problem is the lack of effectivefinancial services．At present， most farmers into the Agricultural Bank savings，or postalsavings bank，after most of the inflow of large city or large projects．Practice has proved，small loans to farmers for rural areas，agriculture，farmers，is very important．as the majorfinancial institutions in developing countries one one of agricultural loans of rural creditcooperatives，One of the three rural cooperation organization，to support the developmentof agriculture and rural economy play a decisive role in the position．In the current economic situation，private lending also begin to develop，how to makethe financial industry has been developing steadily in the increasingly competitivecircumstances，especially the potential risk of credit funds，and strive to make the bank inthe process of business development，and continuously improve the specific assets play inenterprise management system function and quality．Practice has proved that in recentyears，is a commercial banks are reluctant to investment led to the shortage of funds in ruralareas，on the other hand，a large outflow of funds in rural areas，agriculture，rural areas andfarmers are calling for the improvement of rural financial service．To strengthen the creditrisk management of credit into the reform period，development to ensure credit to supportthe local economy．At present，the risk management of the key period，credit cooperativeshas entered the reform，especially the credit risk management problems are constantlyexposed， and seriously affected the rural credit cooperatives to carry out financialbusiness．Therefore，as a branch within the territory of rural credit cooperatives，preventand reduce credit risk，improve the overall efficiency of credit funds，has been an importantproblem of imminent．Zhengding County is located in the area of the capital of Hebei Province，is animportant part of Beijing Tianjin Hebei metropolis circle，and Zhengding County RuralCredit Cooperatives the development condition is good，is an important part of ruralfinancial institutions in Hebei province．But also face some problems：the multi-level rural financial institutions to occupy the market share of rural credit cooperatives，administrativeintervention affects RCCs reform，interest rate regulation，Industry competition，interestincome is reduced more stringent government regulation，improve，bank management andrisk control standards of various financial institutions targeting the rural market，theformation of industry competition，the agricultural industry risk characteristics of themarket risk，Development of competing favorable treatment result of talents and the loss ofcustomers，financial market and financial alternatives to squeeze the traditional business ofrural credit cooperatives．The development of rural credit cooperatives in ZhengdingCounty as a microcosm of the development of rural financial institutions has profoundsignificance．Proceeding from Zhengding County Rural Credit Cooperatives in credit riskmanagement，combining with his own experience．Based on the analysis of the currentsituation of domestic and international risk management，Objective to study is suitable forrural credit cooperatives，credit risk management performance evaluation method in ourcountry，related to the system and the method can effectively reduce the risk of China’srural credit cooperatives，In order to risk management of rural credit cooperative of ourcountry，to reduce the credit risk，improve the competitiveness of help．...