Credit Management Strategy Of Harbin Rural Credit Cooperatives

Currently, the development of the rural economy has become the key to therelationship between economic and social comprehensive development of the ruralfinancial development is to find a fulcrum to pry the development of the ruraleconomy, For a long time, the rural financial system is imperfect, the financialsupply shortage has become a bottleneck restricting the development of the threerural. Introduced a number of policies to effectively improve and strengthen therural financial services, national implementation of three large-scale rural financialreform, but, as the main force of rural financial services, due to the heavy burden ofrural credit cooperatives, highlight the risks, institutional rigidity, poor managementthe original intention of the policy did not scheduled to appear is still uncertain, thefuture development of the road.Harbin City of rural credit cooperatives is no exception, with policy supportreform boost made some short-term benefits, but did not achieve comprehensive,coordinated development. The reason is that the corporate governance structure isstill not perfect, there is no real sound and effective internal control mechanisms,the lack of core competitiveness, the risk is more prominent, these problems aregreatly restricted the sustainable development of credit business, operating timefacing huge challenges. The credit business is the business of the most importantassets of Harbin City of rural credit cooperatives, accounting for more than95ofthe total revenue, improve credit business management to achieve the sustainabledevelopment of its credit business, both theoretical and practical significance ruralfinancial topics.This article first introduced the theory from the start, overview of domestic andinternational rural financial credit business research situation, briefly creditmanagement ideas and theories, introduce foreign mode of Rural FinancialDevelopment and significance. Secondly, the introduction of the domestic ruralcredit cooperatives and the development of rural credit cooperatives in Harbin, adetailed analysis of the risks facing the credit unions in the credit management ismore prominent, low management level is not high, the pricing unscientific,fluctuations in the capital, eight issues of the IT system construction, and theeffectiveness of internal control and risk management, and in-depth analysis of theproblems occur because, in order to find the root of the problem. Finally, for theexistence of the problem and its causes, combined with the actual situation of theeconomy and society in Harbin City, Harbin City, rural credit cooperatives to improve credit management strategies and measures, such as: to improve thecorporate governance mechanism, strengthen the credit business system building,strengthening of human resources management, speed up the construction of ITsystems, strengthen the construction of the internal management mechanism,providing an important reference for their healthy development.