Research On The Development Of Credit Business In Guangxi Rural Credit Cooperatives

Credit business is the main business of China's vast rural credit cooperatives,and it is the main source of income for credit cooperatives and one of the most risky businesses.In recent years,with the development of China's financial market and the complexities of the macroeconomic environment,rural credit cooperatives have been plagued by problems in the development of credit business,and there have been significant gaps in the effect and expectations of credit business development,and various credit business issues.The endless stream has a direct impact on the healthy development of credit cooperatives and also affects the stability of China's financial market.It is not only necessary,but also urgent and significant to analyze and solve various types of credit business problems in the development of banking financial institutions.This article takes Guangxi Rural Credit Cooperative as the research object,first analyzes the background and significance of the current study of the credit business development of rural credit cooperatives in Guangxi,and summarizes the domestic and foreign scholars' research on the development of credit business,laying the theoretical foundation for the following research.This shows the significance of this paper's research,as well as the research ideas and methods.Then it briefly outlined the basic situation of the rural credit cooperatives in Guangxi,described the development of the current credit business of Guangxi Rural Credit Cooperatives,and elaborated on some credit indicators.Based on this analysis,the problems existing in the credit business of Guangxi Rural Credit Cooperatives were analyzed.The study found that there was a lack of innovation in credit products,an unreasonable credit structure,problems in the credit management process,and internal control of risks in the credit business of Guangxi Rural Credit Cooperatives.Human resource management issues.Afterwards,the causes of various problems in the credit business were analyzed from external environmental factors and internal factors.Finally,the countermeasures for the problems existing in credit credit business of Guangxi Rural Credit Cooperatives are put forward.The specific measures include:First,innovate products and implement differentiated competition;Second,adjust the structure of credit allocation;Third,strengthen the whole process management of loans;It is to strengthen the construction of risk internal control;the fifth is to strengthen the management of customer relationships;and the sixth is to strengthen the management of credit teams.The purpose is to promote the healthy and steady development of the credit business of Guangxi Rural Credit Cooperatives,give better play to the role of the main force of rural finance in Guangxi,and more effectively support the development of local economies and realize the double benefits of society and economy.