The Research Of Credit Risk And Prevention Countermeasures On Linhai City Rural Credit Coorperatives In The Small And Medium-sized Enterprise

In recent years, the commercial loan of rural credit cooperatives have developed quickly. With this rapid loan’s growth, it strongly supports the development of local economy, but it also brought the issue of credit risk. As an important financial institutions to support rural economic development, rural credit cooperatives and credit business are the central part of business and management; it is the main source of income. Credit management is directly related to the success of the overall business and the credit risk profile of credit management directly reflects rural credit cooperatives’ survival and development.For Linhai’s rural credit cooperatives, the SME credit business usually is the main credit business;however, the amount of non-performing loans of SMEs are the highest. At the same time, the small and medium-sized enterprise’s loan business of rural credit cooperative profit also has brought huge risk. Therefore, strengthening of rural credit agency management, improving the quality of credit assets and effectively preventing loan risks are the important mission to the small and medium-sized enterprise. Their credit risk should be precisely analyzed, and effectively prevented.Thus, this paper goes through the analysis of the risk problems of rural credit cooperatives of Linhai City SME’s credit from the overall, dynamic angle, present situation and characteristics of them; then understands credit status and credit risk. According to the thought of systemic method- systematically analyze the problem- to solve the problem, analyzing the causes of the credit risk of Linhai rural credit cooperatives of small and medium-sized enterprises, and then put forward the prevention and control of credit risk strategy. The warning and prevention system construct Linhai rural credit agency’s credit risk in a scientific and reasonable way to play better its services for small and medium-sized enterprises function.