The Identification,Assessment And Management Of Rural Credit Cooperatives’s Credit Risk

China’s rural credit cooperatives idle through social mobilization and intermediation of funds to meet the financial needs of farmers and rural industry and commercial which has made a great contribution for rural economic development. But at the same time, high non-performing loans of rural credit cooperatives occurs, potential risks concentrated, and intensive case latent phenomenon abound. Driven by a series of measures and reforms, reform and development of rural credit cooperatives has made some achievements. However, faced with increasingly complex economic and financial environment, rural credit cooperatives loan business is still facing serious challenges, and rural credit cooperatives credit risk management system has been difficult to adapt to the new requirements of the new era.To this end, this paper analyzes the rural credit cooperatives credit problems and challenges of the new situation facing. On this basis, the paper credit risk identification and evaluation, and rural credit cooperatives to Z City, for example, to identify the main risks Z City RCCs credit exists, and evaluated. Finally, we came to the conclusion and put forward some advices and recommendations to the credit cooperatives in order to control the credit risk.Through research, the paper argues that rural credit cooperatives, credit risk management should be carried out from the following aspects:First, notice the ability to identify risk loans of rural credit cooperatives, rural credit cooperatives to enhance letter strengthen credit risk identification and early warning capacity; Second, strengthen credit early risk assessment, monitor rural credit cooperatives to invest in controlling lending conditions of rural credit cooperatives, rural credit cooperatives to strengthen the credit business operations to improve the control level of rural credit cooperatives, credit risk; third, a sound internal control structure of rural credit cooperatives, improve risk control link, standardized loan management system in order to strengthen and improve the internal control system of rural credit cooperatives; Fourth, the establishment of rural credit loan risk compensation mechanism, the establishment of agricultural insurance system, and build a credit rating system of rural credit cooperatives, rural credit cooperatives to innovation risk prevention measures to strengthen the rural credit cooperatives, credit risk management.