Non-Performing Loan Risk Control Research Of Rural Credit Cooperatives

In recent years, the system of rural finance in China, rural credit cooperatives (include rural credit bank and rural business bank) is the key point. Rural credit cooperatives is the main financing method of agricultural production and small and micro businesses. But rural finance of China is imperfect. There are many problems exist in reform and development of RCCs. In the background of the main profit comes from loan proceeds. The most important problem in rural credit cooperatives is non-performing loan problem. Which happens very often lead to rural credit cooperatives bring about huge debt. Financial Institutions has lower economic benefits and business risk of bank increase. Difficult situation bring negative impacts in rural credit cooperatives in China. Limiting the rapid and healthy development of the rural economy?In order to maximize the effectiveness of limited credit funds. RCCs must do the work of non-performing loans of risk management controls. Reduce the rate of non-performing loan. Improve asset quality of RCCs. Only in this way improve profitability and benefit of RCCs. In order to provide better financial support for economic and social development in rural areas.