Changsha Made Yuhua District Rural Cooperative Bank XM Project Loan Risk Assessment Study

Due to the weak customer group,rural financial institutions of the credit risk is higher,the credit risk management is difficult,therefore,scientific credit risk management strategy is crucial for rural financial institutions.Rural commercial bank is one of the types of rural financial institutions,though in recent years,rural commercial Banks to support the development of the rural financial credit,increasing investment,but far couldn't keep up with "three agriculture" the financing needs of change,to effectively control the loan risk of rural economic main body,is the key to the future development of rural cooperative bank,is to improve the credit service ability and realize the long-term development.This study made Yuhua district in Changsha rural cooperative Banks as the research object,probe into its XM project loan risk evaluation method and credit decisions.Through made Yuhua district in Changsha,rural cooperative Banks XM project loan risk evaluation index selection,for XM project data and literature data,to study the risk factors of loan project,and finally build the loan project risk evaluation index system.Based on the constructed risk evaluation index system and hierarchical analysis method,made Yuhua district in Changsha,rural cooperative Banks XM project loan risk evaluation,analysis and evaluation as a result,the credit decisions;Finally work made Yuhua district of Changsha rural cooperative bank XM project loan risk prevention and control countermeasures,from strengthening the risk supervision,the implementation of the whole process of risk management and improve the information-based risk prevention and control system,improve risk control personnel quality,etc were studied.Research focuses on the establishment of the evaluation index system of risk evaluation methods and,with the help of credit decisions on a risk assessment results,made Yuhua district of Changsha has guiding significance for rural cooperative bank loans risk decision;Study selection XD loan project as a case study,more targeted,to promote rural cooperative bank credit risk management efficiency is of great significance.