Study On Credit Risk Management Of Rural Credit Cooperative In Ling'an

China's rural credit cooperatives mainly serve the rural areas,is one of the main sources of loans related to agriculture,has become the main force of financial services supporting the development of agriculture,and has made great contributions to the development of rural economy.In recent years,the development of rural credit cooperatives has been developing rapidly,and has achieved some achievements.However,this is far from the goal of building a financial service system.Since 2005,the rural credit cooperatives have carried out the reform of the system,and the internal departments have also begun to increase,especially the increase of the risk management department.But from the point of view of management,the rural credit cooperatives do not really pay attention to the credit risk management.The safety of loan assets determines the overall operation of rural credit cooperatives,therefore,in order to ensure the security of credit funds,guide capital flow into rural areas,enhance the ability against risks and improve the economic benefits of rural credit cooperatives,promoting farmers' income,the development of the rural economy,the rural credit loan credit risk management is of great practical significance.Based on the analysis of the credit risk management status,existing problems and causes of rural credit cooperatives in Ling'an,this paper discusses the Countermeasures for credit risk management of rural credit cooperatives.The research process and results are as follows:(1)Analysis of the status of credit risk management in rural credit cooperatives in Ling'an.Including: Ling'an City,the development of rural credit cooperatives in Ling'an city credit cooperatives in rural areas,the status of the concrete analysis of the rural credit cooperatives credit risk in Ling'an city respectively from organization system,credit risk management,credit risk identification,credit risk measurement,credit risk controletc.(2)This paper analyzes the problems of credit risk management in rural credit cooperatives in Ling'an.The main problems include: credit risk management organizational system is not perfect,credit risk identification is not accurate,credit risk measurement is not scientific,and credit risk control is not strict.The reasons are analyzed from the subject of loan,the object of loan and the environment of loan.The main aspects are the main causes of loans to corporate governance structure,supervision mechanism of congenital defects such as lack of weak,causes the main characteristics of the loan object,the weakness of agriculture industry and farmers' insurance consciousness,the main reason of loans have asymmetric information,the social security system is not perfect,the local administrative intervention.(3)The countermeasures to strengthen the credit risk management of rural society in Ling'an are discussed.It includes three aspects: the Countermeasures of the subject of the loan,the Countermeasures of the object of the loan and the Countermeasures of the environment of the loan.The loan subject mainly through the construction of property right structure,deepen the reform of rural credit cooperatives and reasonable management system of the loan risk and build reasonable credit risk compensation system are analyzed;the loan object is mainly through the establishment of agricultural insurance system,to enhance the farmer's production and operation organization and the increase of the "three rural" subsidies are analyzed;the loan environment mainly through the construction of good credit environment,improve the rural social security system and reduce local government intervention analysis.In this paper,rural credit cooperatives in Ling'an city as an example,on the basis of credit risk theory,using interviews and field surveys and other research methods,firstly analyzed the status quo of Ling'an city rural credit cooperatives credit risk management,then analyzes the existing credit risk management of rural credit cooperatives problems,finally puts forward the corresponding countermeasures aiming at the existing problems,three countermeasures mainly from the loan subject,object,environment,discusses the fundamental measure to improve the development of rural credit cooperatives,also hope to strengthen the credit risk management of Ling'an rural credit cooperatives play a helpful role.