Study On Microcredit Credit Risk Management Of Rural Credit Cooperatives In JX Province

In recent years,the business of microfinance operations of rural credit cooperatives has achieved significant development and has become an important part of the financial system.However,credit credit levels in many rural areas in China are relatively low.In addition,the poor repayment responsibilities of farmers,micro-credit risk assessment,and lack of control and risk judgment capabilities directly lead to greater obstacles to the development of the business,and the probability of occurrence of non-performing loans is high,not only in rural areas.The development of credit unions and various businesses has hindered development,and it has also failed to promote greater development of rural financial services.In today's external rural financial environment,how to judge risks,reduce the probability of bad loans,and improve credit quality are the outstanding problems faced by rural credit cooperatives.Nowadays,rural credit cooperatives in most regions of Jiangxi Province rely mainly on the experience gained by individual credit officers to make judgments on credit risks,and also identify management risks.Therefore,how to use the previous credit data to transform from qualitative analysis to quantitative analysis and establish a qualified credit system is a far-reaching issue that currently exists.This article is based on the above background,combined with the external environment and the current development status of the rural credit cooperatives in Jiangxi Province,through the analysis and judgment of credit risk as the main research object,using qualitative and quantitative analysis methods,the combination of theory and practice Conduct research work.In the specific arrangement of the paper's structure,the concept of the farmer household is first defined,and then the concept of microfinance and credit risk of the farmer household is elaborated.Second,we have learned the microcredit management model in China and abroad,and comprehensively expounded the specific management methods for microfinance in China.Then,it analyzes the development status and existing risks of the credit business of rural credit cooperatives in Jiangxi Province,and proposes the origin of credit risk.Then,in the subsequent empirical analysis,we selected some farmer credit scoring indicators from a number of categories,including solvency,basic status of households,household management,loan status,and credit rating,to conduct specific scores,and adjusted them from the rural credit cooperatives in Jiangxi Province.Obtain personal loan files and related information files of loan farmers' households,use the model to analyze the credit risk of farmers,and establish a risk assessment index system.The empirical analysis results show that the establishment of the model can effectively evaluate the risk of microfinance,and its accuracy rate is likely to be up to 80%.In this study,the credit scores obtained from the credit model were summed with the credit card and loan status of the farmers,and the final credit score was obtained,thus obtaining the customer's credit history.Finally,a risk assessment model and a risk control system for the company's risk are established to solve the specific countermeasures banks need to take after the loan,mainly from the publicity system adopted,the work flow of the microcredit business,and the later period.Review and deal with other aspects of the promotion work.