Research On Risk Analysis And Management Of Rural Credit Cooperatives O2O Credit Business

Rural credit cooperative is always the primary rural financial force to support “agriculture”,“medium small and micro-sized enterprises” and county economy.In recent years,with rise and rapid development of Internet finance,financial industry has had more and more fierce competition.rural credit cooperative not only encounters cruel competition with other traditional financial institutions,but also suffers from much impact of Internet finance,which results in gradually decreasing market share,more and more operation pressure,as well as unprecedentedly severe challenge for rural credit cooperative.The paper takes O2O credit business of rural credit cooperative as research subject,uses document analysis method,SWOT analysis method,analytic hierarchy process method and demonstration analysis method to specifically analyze risk factors and management method for O2 O credit business of rural credit cooperative.Firstly,document analysis method is used to conclude current development situation of Internet finance and Internet P2 P loan,and specifically analyze the impact and influence of Internet P2 P loan on rural credit cooperative;secondly,SWOT analysis method is used to specifically analyze the advantages,disadvantages,external opportunity and threat of rural credit cooperative,putting forward the reasons and necessity of O2 O credit business of rural credit cooperative,so as to construct procedure of O2 O credit business of rural credit cooperative;thirdly,AHP analytic hierarchy process is used to focus on analysis of influence of risk factors of O2 O credit business of rural credit cooperative and other various kinds of risk factors on O2 O credit business.In the meantime,actual cases and data are introduced to prove results of weight analysis of risk factors;finally,the paper puts forward risk management measures of O2 O credit business.