Research On Financial Risk Management Of Fural Credit Cooperatives In L County

With the rapid development of China's market economy,financial institutions are facing opportunities and challenges,especially at the grassroots,services to the people of the rural credit cooperatives(hereinafter referred to as the Rural Credit Cooperatives,Rural Credit Cooperatives)rooted in agriculture,is the link between the government and local people.Rural Credit Cooperatives not only have similar operational risks with traditional financial institutions,but also have the risk of rural financial system.The dual identity of Rural Credit Cooperatives determines their multiple risks.These differences in risk and the Rural Credit Cooperatives financial work also has a variety of links,if not timely risk control,and even cause the financial crisis,while the Rural Credit Cooperatives in case of financial distress,rural economic environment will be affected in different degrees.The Rural Credit Cooperatives in L County(hereinafter referred to as the L County Rural Credit Cooperatives)is a county financial institutions,in order to meet the rapid development of the market economy needs to adapt to the fierce market competition,talent shows itself in a financial institution,it is necessary to strengthen the management of its own,and constantly improve the level of risk management and risk control ability,strengthen the internal control,to keep pace with the times,gradually realize the optimization of risk management and control system.Therefore,how to reduce the financial risk and optimize the internal operating environment is the most important task of the rural credit cooperatives in L Country.Based on analyzing the current research literature,combined with the actual application of L County Rural Credit Cooperatives in the development and use of financial risk management,financial risk management related theory and capital management agreement,further analysis of the main problems existing in the financial risk management and the reasons,and from the aspects of liquidity risk credit management,risk management and operational risk management respectively,and puts forward some countermeasures and suggestions to optimize the L County Rural Credit Cooperatives financial risk management,such as improve the capital adequacy ratio,improve capital structure,strengthen liquidity management,good risk assets management,change management concept,enhance risk awareness,improve employee occupation accomplishment.