The Study On The Credit Business Risk Management In Yunmans’s County’s Rural Credit Cooperatives

As the main provider of finance in rural areas, County’s Rural Credit Cooperatives is the majority farmers’ main or even the only financing channel. County’s Rural Credit Cooperatives provide a lot of financial support to develop production and business for the township and enterprises and farmers. Just like other commercial banks, County’s Rural Credit Cooperatives is based on income form business credit income, so the management of credit business risk has been becoming the main work for County’s Rural Credit Cooperatives. However, with the continuous development of the rural economy and financial liberalization, the monopoly of County’s Rural Credit Cooperatives has been broken, so the competitive environment that County’s Rural Credit Cooperatives facing continues to deteriorating, at the same time the credit risk management has been more and more difficult. In the new situation, to do a good job in the County’s Rural Credit Cooperatives’ operation and management, the main work is to do a good job in credit risk management. However to do a good job in credit risk management start from the County’s Rural Credit Cooperatives’internal optimization. At present, the whole staff managed the County’s Rural Credit Cooperatives’ credit business are poor qualified so that the credit business risk control system is not perfect and the assessment to loan applicant is not accurate enough and the credit risk warning system is not perfect and so on. These problems’existence increases the risk of the credit business of County’s Rural Credit Cooperatives and restricts the long-term development of County’s Rural Credit Cooperatives. Therefore, It is necessary for the long-term development of County’s Rural Credit Cooperatives to enhance the level of management and control of credit risk, so it is very important to establish a set of scientific and effective credit business risk prevented system and it will give County’s Rural Credit Cooperatives a help to play the main role of financial support in rural areas, qualitatively and quantitatively analyzing the credit risk management of rural credit cooperatives in Long yang District as an example, I will be based it to analyses the problems and the reason caused the problems about business risk management of County’s Rural Credit Cooperatives and Then put forward some suggestion for risk management. In this way, not only can it improve the business risk management level of County’s Rural Credit Cooperatives, but also can it provide some certain reference which helps to establish a scientific and comprehensive credit business risk controlled method for County’s Rural Credit Cooperatives. At the same time, analysis of the risk of County’s Rural Credit Cooperatives will product some practical and important significance to the long-term development of rural credit cooperatives and it will provide necessary reference on credit risk management and control of other banks. In addition to this it will provide some reference to construct modern banking credit business risk management system of china.