Research On Credit Risk Management Of Rural Credit Cooperative In QuFu

China’s economic development of the new normal birth of the financial operation of the new normal, in contemporary economic rapid development,the industry continues to optimize, the uncertainty of the risk gradually emerging new situation, financial institutions in the early management of the credit risk caused by the lack of credit risk, and appear to accelerate the trend of exposure.Loan business is very important for the agricultural credit cooperatives, and the management is also very difficult, the main performance in the service and credit management.In the credit management system of agricultural credit cooperatives, there are some serious problems,that is, the proportion of non-performing assets in the total assets of credit,which makes the risk management of agricultural credit cooperatives is more difficult.Our country’s credit cooperative needle main service object has the characteristic and the general character, this is also the current credit risk credit risk of the current agricultural credit cooperative.At present, the main service business in rural credit cooperatives in the deposit, the loan is relatively large, in which the rural credit business is the main source of income, but also the credit risk management of agricultural credit cooperatives.Taking Qufu rural credit cooperatives as an example, this paper makes a comprehensive analysis on the credit risk management of rural credit cooperatives in China. Firstly, the paper makes a comprehensiveanalysis on the prevention and settlement of loan risk prevention and settlement of domestic and foreign loans, and then analyzes the existing problems in credit risk management.The main research conclusions of this paper:Through the research:Compared with the existing commercial banks and foreign financial institutions, China’s rural credit cooperatives in the credit risk management is relatively backward.Credit risk management method is a qualitative analysis, which depends on the objective of rural credit cooperatives’ service system and market positioning, and also depends on the particularity of the service object, this management method plays a positive role in the long-term management.However, with the development of market economy, this management method has become increasingly unable to meet the needs of the management of rural credit cooperatives, the introduction of quantitative analysis, the use of risk management model and a series of modern credit risk identification, early warning and management methods are becoming the needs of the times.Through the analysis of Qufu Rural Credit Cooperatives Loan and loan process, currently produced in the credit risk of rural credit cooperatives mainly includes factors of the rural credit cooperatives, borrower factors,external macro environment factors in three.Reasons for the rural credit cooperatives, causing Qufu Credit Union risk mainly includes the system of,if the property is not clear, internal management confusion, internal moralhazard, and internal process defects, such as loan classification fuzzy,authorized credit weight is heavy, the pre loan examination is too simple, the loan review a mere formality etc.;For the rural credit cooperatives financial services, agriculture is a weak industry, the risk is bigger, peasant’s insurance awareness weak cause the credit risk of rural credit cooperatives and conduction, and unfavorable factors in the external environment, such as social security system is not perfect, small government subsidies,guarantee mechanism has not yet been established, and greatly increases the probability of Qufu union loan credit risk.Through research, and puts forward the countermeasures and suggestions for the optimization of Qufu union loan credit risk management,including to accelerate the reform of the property rights system of rural credit cooperatives and sound internal control system, strengthen the loan operation flow management, scientific management of loans and other internal measures and the establishment of risk compensation mechanism,agricultural insurance system, loan guarantee system and macroscopic credit environment construction.