Research On Risk Management Of Small Loan In Zhuanghe Rural Credit Cooperatives

With the economic development of our country,the development of agriculture in our country has also been improved very well,and at the same time,the demand for funds has been continuously increased.Rural credit cooperatives are the most important financial institutions in the development of rural economy.To provide a certain amount of financial services for the development of agriculture,its microfinance is the most important part of it,the rural economic development provides support,which makes the rural economic development show continuous vitality.We should focus on the risk management of small loans in Zhuanghe Rural Credit Cooperatives,take this content as the focus of the study,through in-depth research,for Zhuanghe Rural Credit Cooperatives microfinance risk management to provide reference advice.Microfinance,which provides financial services to the broad masses of middle and low income groups,is a form of small-scale financial services that can solve the problem of farmers more effectively.In some rural areas today,loans are available.Improvements can be made at the same time,so that formal financial institutions can fill the problem of not having a market in some areas of the countryside to control all agricultural finance.Based on the discussion of the relevant research background and literature data,analyzes the development history and current situation of microfinance of rural credit cooperatives,rural credit cooperatives and microfinance risk management problems and the reasons.Then,taking Zhuanghe rural credit cooperatives as the research object,different stages of development of rural credit cooperatives in Zhuanghe and has the micro credit risk management situation of Zhuanghe rural credit cooperatives are discussed,pointed out that the microfinance project of Zhuanghe rural credit cooperatives existing problems of risk management in what aspects,and the main cause of the problem,followed by the Zhuanghe rural credit cooperatives microfinance risk management On the basis of this,the author puts forward some countermeasures and suggestions to improve the risk management of small loans in Zhuanghe Credit Cooperative.