Research On Improving Credit Risk Management Of RCQ Rural Credit Cooperatives

Credit risk management is the important determinants of rural credit cooperatives credit business development whether good or bad.Credit risk can be effectively management is helpful to establish an effective risk prevention mechanism.This will help ensuring the safety of credit funds of the credit union.This is helpful to improve the competition ability and profitability of rural credit cooperatives.This is helpful to improve the economic benefits of credit cooperatives.The management of credit risk is the main way to promote the credibility of rural credit cooperatives.This also is an important link to promoting credit cooperatives business management in line with international practice.In recent years,competition in financial markets has intensified.Meanwhile,the macro political,which has all sorts of uncertainty,and economic and natural climate changes occur over time.So the credit risk increases,and non-performing loan ratio also gradually rises.Therefore,it is important to strengthen credit risk management.This article first elaborated the credit risk management of related theory and the main research results at home and abroad.Analysis of local worthy of learning,as the essential theoretical foundation of the full text.Then this paper introduces the present situation of RCQ credit risk management of rural credit cooperatives.Second,the integrated use of environmental risk analysis,risk list making,curtain scene analysis method,the credit cooperatives credit risk factors for identification.Using the analytic hierarchy process to evaluate these factors.Assess the importance degree of various factors,and combine with loans of rural credit cooperatives credit management,loan management and post-loan management of the actual problems.Finally,based on the measurements of credit management,credit rating,risk handling and risk early warning system to planning and unified.Reconstruct the credit risk management organization structure.Specification and the innovation system of credit risk management related.Optimization of the credit risk management to improve the external environment.