Rural Credit Cooperatives Human Loan Business Research

With the rapid development of China’s financial business, each big financial institutions has changed the past the main issue brought to loan credit model, for a human loan business is more and more attention. In recent years due to the slow development of domestic economy, the development of large enterprises is constrained, the risk of financial institutions lending also gradually increase. Financial institutions in order to open up new profit source, has been developing the slower a human loan business to get promoted in recent years, the team also obtained the rapid expansion of credit personnel. Rural credit cooperatives service to agriculture, rural areas and farmers determines its social properties of human loan business is also the most. With the development of economy, rural credit cooperatives human loans continue to increase, the kinds of business loans by the first single individual production to provide now covers all kinds of loan business in human food and clothing live line. Loans of financial institutions have been hit a record high, human loan market space develop and expand. In shandong province rural credit cooperatives, for example, it has set up 11 years, a human loan business has been a widely distributed, less risk, specialising in the continuously to provide financial support for the development of credit cooperatives, credit cooperatives management pattern determines the spreads over a longer period of time is still the main profit source, so the study of a human loan business is very necessary and has practical significance.This article XX rural credit cooperatives, for example, by comparing the domestic and foreign advanced experience in the development of a human loan business, analysis of its characteristics and problems of the human loans, XX rural credit cooperatives puts forward a human loan business process design. This article from the current situation of XX a human loans of rural credit cooperatives, through to the loan customers, credit investigation questionnaire way, find the XX problems existing in the current rural credit cooperatives loan business process. To himself at the grassroots level credit problems found during the work for the introduction, USES a Logit model analysis human lending default main influence factors, puts forward a set of suitable for doing business at the grassroots level credit cooperatives can quickly, also can reduce the loan default risk of the business process. The business process is more advantageous to XX rural credit cooperatives loan business of development, the development of other credit cooperatives of shandong province also have certain reference significance.