Research On The Cooperative Of Rural Credit Association Risk Resolve

Rural credit cooperatives is the main finance support force of agriculture development, and is the main channel to build a new socialist countryside, also important to promote the county’s economic development. As banking financial institutions, rural credit cooperatives inevitably facing various risks, and in the history of the system and rural financial environment and other special reasons, resulting in huge financial risks facing the rural credit cooperatives. Therefore, in order to promote the long-term development of rural credit cooperatives, better for agriculture and rural economic services, prevention and mitigation of risks is particularly important.Based on the L rural credit cooperative as the research object, through the analysis of risk faced by the rural credit cooperative association and the risk early warning status quo. And then,makes a thorough analysis of the source of risk, at last this paper expounds the taken measures and the achievements.The association since 2009, continue to deepen reform and build a sound corporate governance structure, comprehensive prevention and control of internal and external risks and reasonable development of the reform of property right system, business development plan and risk mitigation measures, and achieved a series of remarkable achievements, the regulatory indicators increased gradually, at the end of 2014 supervisory ratings to the results meet the requirements of the banking sector, thoroughly remove the high risk association’s hat. The experience of the association shows that rural credit cooperatives can accelerate the dissolve of historical burden, on the basis of through strengthening internal management, external services and other initiatives to enhance, establish long-term risk early warning system, comprehensive and guard against and defuse the risks.This paper is divided into five parts. The first chapter is the introduction, describes the background and significance of the topic, introduces the research status at home and abroad, and research methods and ideas. The second chapter introduces the theory of financial risk, based on introducing the definition and classification of financial risk, analyzes the particularity of the risk of rural credit cooperatives and the necessity of risk. The third chapter introduced the L rural credit cooperative union status of risk management, including its 2008 before facing risks and risk early warning, and from three aspects: the historical causes, internal causes and external causes are analyzed. The fourth chapter basis the third chapter on the causes of the risk of the formation of a series of risk mitigation measures, by resolving historical burden, internal management and external service multi-pronged, making L rural credit cooperatives operating conditions changed significantly, including deposits and loans, non-performing loan rate and the regulatory indicators have changed greatly, greatly reduces the risk. The fifth chapter is the summary and outlook, through summarizing L rural credit cooperative risk to resolve the experience, for the future development of rural credit cooperatives is prospected.