A Study Of Credit Risk Control Of County-Level Rural Credit Cooperatives

County Rural Credit Cooperatives is an important service subject of rural finance, and its credit risk management and control issues have been concerned by the state and society. Papers on the basis of current research on the brief analysis of domestic and foreign rural credit cooperatives, credit risk management and control, from the main content of the credit risk, management system and mechanism and risk management related theory in the face of county level rural credit cooperatives, credit risk management and control theory are analyzed. To Cangshan District, Fuzhou City, rural credit cooperatives as the object, on the analysis of the basic situation of the rural credit cooperatives and credit risk management controls the status, to the rural credit cooperatives in randomly selected 112 households lender, age, family income and expenditure condition and so on investigation, analysis method of combining the principal component analysis and cluster analysis, makes a comprehensive evaluation of the credit risk, determine the proportion of the number of different levels of risk, analyzes the causes of the credit risk, and from the establishment of the agricultural insurance system and the powerful rewards and punishment system and optimize the loan time limit structure presents related to credit risk management and control measures. The research results can provide reference for the improvement of credit risk supervision ability, credit risk management and control system and related policies.