Research On Non-performing Loan Management Of Huxian Rural Credit Cooperatives Association

With the continuous improvement of the reform of financial institutions in China,the role of rural cooperative financial institutions in rural economy and county economic development has been highlighted.Since the founding of the rural credit cooperatives,it has assumed the important task of supporting the development of agriculture,rural areas and farmers.It is also a special financial institution with social responsibility and historical mission.It is also an important part of China's banking industry.huxian Rural Credit Cooperatives Since its establishment,although the operating conditions are relatively stable,but in its rapid expansion of the scale at the same time,non-performing loans has always been an important issue affecting its development.It is of great significance to improve the development level of huxian Rural Credit Cooperatives and to provide services for the development of agriculture,rural areas and rural areas.The paper is divided into eight parts.Firstly,the research background,research significance and the research status of bank credit risk management are reviewed.Then,the theory of non-performing loan risk is introduced and discussed.On this basis,the status and problems of non-performing loans of huxian Rural Credit Cooperatives are analyzed in depth,and the problems caused by these problems are analyzed from two aspects:external and 'internal causes The paper puts forward the risk management strategy of huxian Rural Credit Cooperative Association,the implementation of security measures and the risk management strategy of huxian Rural Credit Cooperative Association.Finally,the paper summarizes the research work of this paper.The main conclusions of this paper are as follows:In view of the current situation and problems of non-performing loan risk management of huxian Rural Credit Cooperatives,the optimization of non-performing loan risk management process is the key and difficult point of non-performing loan risk management of huxian Rural Credit Cooperative.To learn from the commercial bank credit risk management theory and practical experience,to improve the traditional pre-loan,loan,post-loan risk management.The use of scientific risk identification methods,the establishment of risk assessment,monitoring function of the credit rating,enterprise risk warning quantitative system,improve the risk control measures to form a comprehensive credit risk management process.