| In order to solve the problem of "agriculture,rural areas and farmer",improve the new type of rural financial institutions credit risk control ability,through to the new rural financial institutions to credit risk measurement,puts forward countermeasures to promote the development of rural financial system,and contribute to rural economic development.However,in the process of the development of new type of rural financial institutions is faced with enormous challenges,the management is not standard,personnel quantity growth too fast,product diversification phenomenon of regulation is less than and so on,caused the new type of rural financial institutions in our country credit risk loss has been increased,so to strengthen the risk control of the new type of rural financial institutions in our country is very important to rural economic development.Through in-depth analysis of the purpose and significance of credit risk control of new rural financial institutions in China,it is found that credit risk management plays an important role in the development of new rural financial institutions.Use literature induction to about a new type of rural financial institutions at home and abroad,summarized the situation of credit risk management,and draw lessons from the rural financial development theory,the theory of asset liability management theory and other related in the process of developing the new type of rural financial institutions of the deficiencies to provide theoretical basis for the new type of rural financial institutions in China started late,development speed,by studying the present development status of new type of rural financial institutions,summarized the new type of rural financial institutions in China at present,the main reasons for the formation of credit risk using the empirical analysis method to measure credit risk of the new type of rural financial institutions in our country,the following conclusions,the overall risk of the new type of rural financial institutions in our country is in the village and town bank,within the scope of the provision of loan loss provisions and village Banks and small loan companies are negatively related loan losses,eliminates the status of the risk loss.New type of rural financial institutions to credit risk is the main reason is that loan losses,so the Suggestions are put forward according to the village Banks and small loan companies,strengthen the internal risk management of village Banks,improve the village Banks external financial environment,strengthen the credit risk management of microfinance companies,perfecting the microfinance company's internal environment play an important role to reduce loan loss.Due to short time of the development of new type of rural financial institutions,credit evaluation system and credit reporting database established and imperfect,so the new type of rural financial institutions risk measurement,risk management based on the principle of the new rural financial institutions to provide the reference opinion,but because considering dimension is single,so to be in in the future in the practice of continuous development and improvement. |
