Research On Identifying And Preventing Credit Risk Of DM Rural Credit Cooperative

Credit risk the timely and accurate identification and evaluation, and to construct a reasonable credit risk prevention mechanism science, is the goal of the reform of rural credit cooperatives, as well as under the socialist market economy environment financial institutions of the need to achieve self-innovation and development, is county economy, economic development, agriculture, the smooth construction of new rural financial support for protection. DM is a relatively backward agricultural county, the area of credit assets, such as credit unions appeared poor internal management turmoil, the credit process is not reasonable in the past years of business development in the credit industry, according to DM county rural credit cooperatives actual situation, credit risk identification, assessment, and put forward the optimization program, it is very necessary. On the one hand the risk aversion DM credit union credit business put forward reasonable measures to promote a more healthy development of credit unions, to stabilize the financial sector given the county DM guarantee; credit management aspect of the proposed new program to other small credit risk management of financial institutions have a certain reference value.Firstly, based on the characteristics of the credit management of banks and other financial institutions, credit characteristics and the importance of the development of the rural credit cooperatives put forward the research background, and with the study of domestic and foreign credit risk management review, made after research purposes and significance, and it introduced the theory related to the management of credit risk, that the reform of rural credit cooperatives DM county credit risk management provides a guideline. Next article IMPLEMENTATION DM county rural credit cooperatives credit business were understood by the cognitive structure of rural credit cooperatives and credit the amount of the past few years, credit structure, credit quality, credit risk identification and evaluation, that the presence of low credit quality, large concentration of credit risk, credit risk management organizational structure is not perfect, the system is imperfect, lack of cultural and scientific processes such issues DM credit unions, and the reason for these problems is the agricultural letter subjective DM social scientific internal management, the objective and the credit environment in the region, macroeconomic policy interventions also have a certainrelationship. This paper argues that, in order to strengthen the DM county rural credit cooperatives credit risk prevention, from three aspects need to be optimized organizational structure, institutional system and credit risk management processes. Optimization of organizational structure which requires a clear risk management functions of the Council,established a Credit Risk Management Committee, and improve risk management functions of the Ministry, to establish the functions of file management center set up the company's business and personal business unit, and other departments to strengthen credit risk management several parties and other support functions; the system optimization system, the need for credit risk management, credit rating management system, authorization and credit management system, post-loan censorship guidelines and mechanisms of credit; credit risk management process design, you need to design a scientific and rational overall framework of credit risk management processes, and the establishment of DM County rural credit Cooperatives credit rating system, unified credit management system, credit risk warning system, credit risk control and disposal system on this basis, and in the end credit risk for the DM rural credit cooperatives set up a comprehensive prevention system.