Research On The Credit Risk Management Of Rural Credit Cooperative In Zhangqiu City

With the degree of marketization of interest rates will continue to improve and increase the volatility of the RMB exchange rate and economic integration deepens. At the same time,foreign banks business fully liberalized, leading to increasingly fierce competition in the domestic commercial bank, Zhangqiu City rural credit cooperative union of new products,new business continue to push out and credit risk management appeared new trend. Therefore,it is very urgent need to optimize the Zhangqiu City rural credit cooperative credit risk management system.The main work and conclusions are as follows:(1) Analyzing the credit risk management status and problems of Zhangqiu City rural credit cooperative. The study found that the credit cooperatives exist insufficient risk identification methods of credit, lack of risk prevention mechanism and risk early warning mechanism, risk control and management means backward, many problems and analysis reveal the presence of possible causes.(2) Zhangqiu City rural credit cooperative credit risk management system were optimized, including the perspective of credit risk identification, early warning, internal management and self-Evaluation and constraint. Construct the credit risk identification system, risk prevention early warning system, credit risk internal management system, as well as self evaluation and restraint system.(3) Putting forward measures to protect the rural credit cooperatives of Zhangqiu credit risk management system implementation. In order to improve the level of risk management and need to a good risk management culture, need to establish credit risk compliance management and inspection mechanism, improve risk technology support system, cultivate and form a full risk management and control of enterprise culture, and to improve the examination and evaluation mechanism.The problems existed in the Zhangqiu City rural credit cooperative credit risk, to construct the system of credit risk management, and finally proposes the implementation of safeguard measures, Zhangqiu city credit cooperative credit risk provide practical guidance.