Study On Micro-credit Risk Management For Rural Credit Cooperatives In Weifang

Micro-credit of rural credit cooperatives acts as national policies and measures supporting for farmers, agriculture and rural economic development of agriculture, have made outstanding contributions for farmers to increase their income, solve the farmers loans difficult problems, promote rural economic development, and other fields. However, due to the special nature of rural credit cooperatives and farmers, credit cooperatives also appeared some problems in the lending process, such as farmers delinquent loans what make credit cooperatives emerged barriers in terms of stability of business management. Therefore, it is necessary for the current microfinance development and problems in the study, can not only guarantee the "three rural" reform steadily but also protect credit cooperatives economic interests to a certain extent. Weifang city, Shandong province pioneered in the country since 2000 to support agriculture marketing network construction as the guidance, with a core of peasant household credit rating loans support agriculture mode, successfully solved the farmers loans difficult and credit cooperatives difficult problem. With the continuous development of economy, Weifang city, Shandong province in July 2011 to launch a new loan pattern, further improve the Weifang area microfinance of rural credit cooperatives difficult problem, and get the recognition of the people’s bank of China head office.As the research object, this paper takes Weifang credit cooperatives from microfinance risk control related theory, from theory to practice, and gradually completed the research of microfinance risk control. First, this paper introduces the related theory foundation of microfinance risk control includes the definition and characteristics of microfinance, microfinance risk control theory, expounds on the credit risk control involved in the process of risk identification, risk assessment, risk control methods. Then, this paper takes Weifang rural credit cooperatives microfinance business development present situation as the basis, using the Delphi method which can identify the possible risk in credit business, including two parts of external and internal risks, and further analyzes the causes of risk. Then, using the above analysis of risk factors in the actual investigation, and build the Weifang rural credit cooperatives microfinance risk evaluation index system, based on the fuzzy analytic hierarchy process (ahp) to Weifang small rural credit cooperatives has carried on the comprehensive evaluation of credit risk. Found in the assessment process, Weifang rural credit cooperatives microfinance business risk in the general level of risk, that Weifang rural credit cooperatives have certain achievements in the field of risk prevention, but still want to continue to strengthen the credit risk prevention work. Such as family situation, regional economic development level and the borrower whether historical default rates, and credit cooperatives insiders have contact factors largely had an impact on microfinance risk of Weifang rural credit cooperatives. Finally, combine the comprehensive results of Weifang microfinance risk assessment, and considering the actual operation situation of Weifang rural credit cooperatives, the paper put forward to strengthen the Weifang rural credit cooperatives microfinance solution measures of risk control, promote the good development of Weifang rural credit cooperatives.