LJ Rural Credit Cooperatives' Reasons For The Rise Of Non-performing Loans And Its Governance

A new round of reform of rural credit cooperatives in China after 2003,gradually get rid of the historical burden,and get considerable development,but in our country entering the downtown pressure on the economy to increase the "new normal",the problem of non-performing loans again plagued the development of rural credit cooperatives.The non-performing loan ratio to 2013 after the start of the rally,which is higher than the non-performing loan ratio of commercial banks to benefit the national average of LJ rural credit cooperatives is this round of reform,the rapid expansion of business scale,have acquired a greater degree of development,deposit and loan share ranked LJ local industry first,but the same is also facing problems of non-performing loans increased.With the interest rate market,"changes in the Internet and other new financial markets,LJ rural credit cooperatives to talent shows itself in the fierce competition,need to be more refined,more perfect management system,and the first from the non-performing loans of the prevention and control of risk management,change the extensive mode,explore more effective prevention and control of non-performing loans in the system.The status of the actual operating conditions of L J of rural credit cooperatives and non-performing loans,the characteristics of the comprehensive analysis and research,and then mainly from the macro and micro analysis of reasons of bad loans,and focus on the customer and the micro factors of rural credit cooperatives in the internal management of two non-performing loans were analyzed.Through the related research,the conclusions are as follows:roughLJ risk management of rural credit cooperatives of non-performing loans,non-performing loans to improve the defense ability and also need more sophisticated risk prevention and control system,and the "Internet" mode of thinking,product and channel innovation,put forward to assist in improving farmers'financial ability to create security the rural credit cooperatives and its credit risk management ability,Such as:strengthen risk prevention system construction,strengthen the rural credit cooperatives capital market operation ability,strengthen the construction of the "Internet" service system,strengthen the promotion of "credit" project,improve customer credit awareness so as to strengthen the non-performing loans of rural credit cooperatives LJ prevention capacity,LJ rural credit cooperatives to solve the current situation of rising non-performing loans,put forward from the governance measures.