The Research On The Implementation Of The New Loans Rule Of Jiangxi Rural Cooperative Finance I Institutions

China Banking Regulatory Commission has promulgated and implemented "Three Measures and One Guideline"(《Interim measures on the management of fixed asset loans》,《Interim measures on the management of liquidity loans》,《Interim measures on the management of personal loans》 and 《Guidelines on project financing》), on the basis of intensive research and international advanced experience which was combined closely with the facts of China’s economic and financial development, especial including the situation of banking credit management. Since the promulgation of "the new loan rules", it has gradually played a positive role in better implementation of the national macro-economic policies, the optimizing of the social credit resources, the enhancement of banks’meticulous management level, and the prevention of financial systemic risks. However, due to the restricts on the management system and the operating environment, Jiangxi rural cooperation financial institutions are still facing great difficulties in the promulgation of "the new loan rules", and the higher requirements of the credit risk and operation risk’s prevention are urgently concerned. It needs more efforts to be made on the aspects of management system, methods of controlling risks, system construction and personnel training in the future to fully implement the regulatory requirements, so there is still a long way to go. Therefore, the study of this project has important theoretical value and practical significance.This paper will take Jiangxi rural cooperative financial institutions (including rural credit cooperatives, rural cooperative banks and rural commercial banks) for example to correctly recognize and intensively analyze the problems and reasons of Jiangxi rural cooperative financial institutions’implementation of the new loans rules, to learn from the foreign financial institutions’ advanced experience on the aspect of credit management, and to propose highly-targeted measures.The structure of this paper is divided into six chapters.:Chapter1, Introduction; Chapter Ⅰ, The related theory outline of financial institutions’ credit management; Chapter Ⅲ, The analysis of the current situation of the Jiangxi rural cooperative financial institutions that implemented the new loan rules; Chapter Ⅳ, The experience and learning of the rural cooperative financial institutions’credit management at home and abroad; Chapter V, The measures to improve Jiangxi rural cooperative financial institutions’credit management; Chapter VI, The Conclusion and Outlook.This paper found problems in the new loan rules’ implementation of Jiangxi rural cooperative financial institutions, such as low proportion of the entrusted payment, low coordination degree of the customers, irresponsible to implement policies and false data of entrusted payment, etc. To solve the above problems, the paper has proposed the measures and advices in conclusion that aimed at improving the legal entities’ governance structure, establishing a sound credit management mechanism, optimizing financial ecological environment, strengthening the communication with customers, advancing the controlling method of the credit scale, and plugging the contract loopholes which will be useful for the improvement of rural financial institutions’ credit management mode and the promotion of healthy development, the measures will also play a decision-making and reference role in the relevant system’s improvement of local governments and related departments and the promotion of financial credit environment’s construction.