Research Of Risk Management Based On The Rural Credit Cooperatives Loan Project

In a variety of domestic financial institutions system, rural credit cooperatives has been active in rural financial market, and play a more and more important role. But given the rural problems left over by history, the service sector is too narrow, the problem such as economic environment to be exploited, a relatively high proportion of non-performing assets of rural credit cooperatives, there are many defects on loan management. As a regional financial institutions, rural credit cooperatives has strong development potential, the main business focus in the field of deposits, loans, loan project risk has been high. Therefore, to promote rural credit cooperatives loan project risk management ability, need according to the development of rural credit cooperatives loan project risk present situation and the demand forecasting is analyzed, expounds the mechanism of generating loan project risk.This paper mainly studies the rural credit cooperatives loan project risk management, first of all, from the domestic the research background of rural credit cooperatives loan project risk, and specific analysis of its meaning, thus in this paper, the rural credit cooperatives and loan project risk management theory of the main points, according to the requirements of the current state of the rural credit cooperatives loan business, which leads to the rural credit cooperatives to carry out the potential risk of loan business, and the contents of risk identification and risk index is put forward. Then, by panshan county rural credit cooperatives loan project risk situation, from the perspective of the loan project risk formation mechanism, respectively through loans, loan environment, object specific summarized three directions. Finally, according to the rural credit cooperatives loan project risk in rural areas, put forward the loan risk management measures of the project, the construction of concrete from the internal control system, perfect the risk culture, cultivate the staff quality, development of personal financial products, to strengthen the construction of information system of the five aspects to strengthen rural credit cooperatives loan project risk management, activate the rural financial and economic sustainable development.Innovative research of this paper is as follows: It is growing with the development of rural credit cooperatives, about its physical construction, operating risk, credit management measure of work more, but in the rural credit cooperatives of project risk management research remains to be strengthened, so, on the topic, this article research has the certain innovation.Secondly, this article from the rural credit cooperatives loan demand forecasting is analyzed, especially the comprehensive analysis of the potential risk of loan project; From three perspectives of rural credit cooperatives, the borrower and external environment of rural credit cooperatives loan credit risk management subject carried on the thorough analysis, summarized and put forward the unclear property rights of rural credit cooperatives, internal control management confusion, the heavy historical burden, insiders such as moral hazard is a major cause of lead to its credit risk.Third, and from the actual development situation of panshan county rural credit cooperatives, elaborates its existence with frame of project risk factors, put forward the measures to strengthen the risk management of rural credit cooperatives loan ability, in the reality of rural financial institutions have a certain guiding significance.