The Cause Analysis And Countermeasure Research Of The Bad Assets Of Rural Financial Institutions

In recent years, with the development of the rural economy and the continuous improvement of the market economy system, the rural financial institutions have been developing rapidly. For example, the main force of rural credit cooperatives in agriculture, the main force position is more prominent, the development trend of China's postal savings bank is good, rural banks, small loan companies have sprung up. However, with the rapid development of various types of rural financial institutions, the business risk is also rising, risk control ability is weak, the proportion of non-performing assets and other issues have been exposed. Rural financial institutions to provide financial support for the overall development of the rural economy, which plays the role of subjectivity and basic. The healthy development of rural financial institutions is of great significance to solve the problem of agriculture, rural areas and farmers, promote the development of agriculture, increase the income of farmers and accelerate the development of rural economy. According to the current situation, this paper studies the problem of non-performing assets of rural financial institutions.With the continuous improvement of the level of rural economic development, the market economy system, rural financial institutions, this paper first from the three aspects of the nature, characteristics and development of the rural financial institutions of China's rural financial institutions were a comprehensive overview, and then on the China's rural financial institutions exist problems comprehensively, based on this proposed rural financial institution non-performing assets has become a core problem restricting the development of China's rural financial institutions. Then from the decision-making model, risk, credit system, history and other aspects of the reasons for the formation of non-performing assets of China's rural financial institutions to conduct in-depth analysis. Subsequent analysis of the foreign financial institutions in dealing with non-performing assets, such as the American model and Japanese model, Southeast Asia mode, and puts forward the their common ground in the disposal of non-performing assets, to China's rural financial institutions handling bad to have draw lessons from a meaning. Binding the status of non-performing assets of rural financial institutions, development is relatively mature in the large commercial bank loans risk management reference model, separately from the loans and loan after loan risk monitoring, increase routine collection efforts, increase efforts to write off non-performing assets of, attach great importance to the extraction of provision for bad debts, play the government's handling of the functions of non-performing assets has formulated the measures for the disposal of rural financial institutions, in order to reduce the rate of non-performing assets of financial institutions in rural areas, improve asset qualityAt present, rural financial institutions in the service of farmers, deposits, loans, providing intermediary business play an important role, and it plays a mainstay role in financing in rural areas, promoting the agricultural production improvement, perfection of rural infrastructure and farmers increase income aspect. But along with the deepening of China's reform, and continue to promote the reform of the financial system, large commercial banks business basically out of the village area, the business is concentrated to the cities at the county level and above, with the rural financial service outlets less, rural financing channels single, non-performing assets occurred rate of concentration, also due to the influence of rural environment particularity, the income of the farmers is not stability, farmer credit status, stage of rural financial institution non-performing assets rate is 4%, greatly affected the rural financial sustainable and healthy development. Therefore, it is important to study the reasons of the occurrence of bad assets in rural financial institutions.