Research On The Risk And Prevention Of Consumer Finance In Datian Rural Credit Cooperatives

The rapid rise of China's consumer economy is leading consumer finance business into the fast lane.With the economic opportunities of the state supply side reform and consumption upgrading,financial technology has surged and financial supervision has been greatly strengthened.Datian rural credit cooperatives are located in mountain and county,and the consumer finance business is mainly to farmers.It is the main force to support the economic development of the county and to carry out the rural consumption and financial services.The health of the operation of the consumer finance business in Datian rural credit cooperatives is related to the development of Datian rural credit cooperatives,the realization of the Revitalization Strategy of Datian countryside and the benign development of the field economy.At present,with the further development of the rural credit cooperatives' consumer financial business,the risk problems are increasingly highlighted.How to use scientific management methods to prevent business risks has become an urgent problem for Datian rural credit cooperatives.This paper focuses on the risk and prevention of consumer financial business in rural credit cooperatives.First,this paper makes a general analysis on the risk prevention of consumer financial business,defines the related concepts of consumer finance business,and introduces the types of financial risk,the mode of consumer finance management and the risk prevention theory of financial business.Secondly,starting with the consumer financial business and the risk status of Datian rural credit cooperatives,this paper analyzes the current situation of the business development of "Fu Min loan","Fu Wan Tong" credit card,mobile phone rural credit cooperatives and WeChat rural credit cooperatives in Datian rural credit cooperatives,and analyzes the risk of consumer finance in Datian rural credit cooperatives.Characteristic,the credit risk is rising,the market risk is increasingly prominent and the operation risk can not be ignored.On the basis of this,it analyses the causes of credit risk,market risk and operation risk in the consumer finance business of Datian rural credit cooperatives.Finally,the risk prevention strategy of rural credit cooperatives' consumer financial business is put forward.In the strategy,we not only put forward the external strategy of establishing personal credit system in the whole society,building a good rural credit environment and building credit as a resource awareness,but also put forward some specific strategies to prevent the credit risk,market risk and operational risk of the consumer financial business in Datian rural credit cooperatives.This study plays an important role in the risk prevention of the consumer financial business in Datian rural credit cooperatives and the promotion of the overall business level and management level of Datian rural credit cooperatives.It has an important reference and reference for the risk prevention of the consumer financial business in the county and county district credit cooperatives.