A Research On The Risk Management Control In Heze City Rural Credit Cooperative

To enter in twenty-first Century 90 time, global entered a period of economic transformation, people bid farewell to the industrial era, has been in the forward to the information age. The various unstable factors emerge as the times require, by the agricultural letter society as the representative of the state-owned commercial banks as the service in the period of transformation of the economy play a decisive role role, is playing its role and light should. Facing the economic globalization environment and the challenges of the financial crisis, "risk management" has become the operation of financial institutions ills, facing all kinds of risks such as credit risk, financial risk, operational risk, the risk of unexpected events and other different types of risk, financial institutions should develop in line with their actual, resist, to guard against the risk of a set of risk management strategies.Based on the risk management related theories are reviewed, the main risk of rural credit cooperatives in Heze were analyzed, the Heze rural credit cooperatives have experienced a long-term development and reform process, including the change of system reform and management system. Although Heze is the reform of rural credit cooperatives has a steady and substantial trend, but still faces the risk of financial risk, credit risk, operational risk and the risk of unexpected events such small and medium sized financial institutions generally face. In Heze rural credit cooperatives internal management system, the causes of the financial risk is mainly the scale of financing strategies properly, the financial management is not standardized, financial burden is heavy; the reason of credit risk is the main external credit environment, credit lax management, lack of effective evaluation mechanism; causes of operational risk is mainly the implementation of internal control is not strict, business process risk points; the risk of unexpected events is the low quality of accountants, internal control is not strictly a result of.On the basis of the analysis of Heze rural credit cooperatives all kinds of risk and risk, put forward risk control for Heze agriculture letter society strategy, respectively, in the financial risk, credit risk, operational risk three levels according to the different risk characteristics for the corresponding strategies. And the financial risk and credit risk are the major risks and hurt the most overall, on the basis of the above analysis and puts forward some corresponding measures for establishing and perfecting the credit cooperatives internal financial risk and credit risk control mechanism. Research on the general state-owned commercial bank risk management is still in its infancy, in both theory and experience also exists much shortage, but for now the great wave of financial development impact, and enhance the core competitiveness, to Heze rural credit cooperatives as the representative of the small and medium-sized financial institutions to improve their level of risk management, has become a a difficult task.