Research On The Risk Management Of Small Loan In Rural Credit Cooperative In Hunan Province

With the continuous development of China's rural economy increased demand for funds, the rural credit cooperatives as for the "three rural" and support the "three rural" for the "three rural" to provide credit funds to support financial institutions, microfinance became its rural economic development an important source of funding for rural economic development has injected vitality. Now, however, the rural credit cooperatives also faces enormous risks of microfinance, therefore, how to better perform microfinance risk management to ensure that microfinance is always in a benign environment, rural credit cooperatives has become an urgent problem. This article will point the attention on the risk management of rural credit cooperatives, microfinance Hunan Province, and thus cut into the research, particularly through the promotion of research, to point to our better understanding of rural credit cooperatives, microfinance provides risk management template.The research efforts to solve the Hunan rural credit cooperatives microfinance risk management, risk management through rural credit cooperatives to discuss the current situation and problems, as we show the specific situation of rural credit cooperatives, micro-credit risk, let us issue We have a better grasp of research, both to provide a reference and help improve the rural credit cooperatives Hunan microfinance risk management, but also to better promote the overall maturity drops of microfinance risk management, both to minimize Rural credit cooperatives to credit risk, but also to provide more comprehensive financial support for rural economic development, serve two purposes, it is a win-win thing.The research on the basis of relevant research background and literature discussed on provided us with the opportunity to understand the relevant research results. Further on the basis of relevant theories of the sort and discussion, both with regard to the basic concepts, such as the definition of microcredit, risks and sources of risk, credit risk management, loan classification and so on, then we have to understand the basic concepts; also involved to the theoretical basis, such as information asymmetry theory, institutional change theory, transaction cost theory, risk management, etc., in order to expand the study to lay a solid theoretical foundationNext, we focus on the rural credit cooperatives microfinance risk management of problems for our interpretation of the history and current situation of rural credit cooperatives, microfinance development, focusing on rural credit cooperatives, micro-credit risk management problems. Subsequently, specific to the Hunan rural credit cooperatives, rural credit cooperatives Hunan microfinance risk management of issues put forward their views, reference Hunan Rural Credit Cooperatives Development Stage and characteristics pointed out Hunan Rural Credit Cooperatives Microfinance Risk Management the status quo, and then pointed out the risk of Hunan Rural Credit Cooperatives microfinance management problems. On the basis of studies on these issues, the results of a comprehensive study, in order to improve risk management in Hunan microfinance credit unions provide workable strategies, including both policy recommendations, including Hunan Rural Credit Cooperatives in microfinance risk prevention measures. Finally, conclusions and prospects, to complete the research.