Research On Credit Risk Management Of Rural Credit Cooperatives In X County

Rural credit cooperatives are one of the most important financing channels in China's rural areas and provide a high proportion of financial support for the production and business activities of most rural township enterprises and farmers in China.In today's complex and changing social environment,the social business environment faced by rural credit cooperatives has become increasingly complex.As a financial institution operating currency,X rural credit cooperatives in X counties,like other commercial banks,have always been the focus of X county rural credit cooperatives in terms of management and control of credit risk.However,at present,X county rural credit cooperatives have problems such as weak internal control,insufficient enforcement of legal rules and regulations,inadequate implementation of the “three surveys” system for loans,and unreasonable loan structure.The existence of these problems has increased the credit risk of Rural Credit Cooperatives in X County and restricted the long-term development of rural credit cooperatives in X County.Therefore,it is particularly important to improve the management level of credit risk management.This paper takes the management and control of credit risk of Rural Credit Cooperatives in X County as the research object,and uses quantitative and qualitative methods of research to present the current credit risk management and control status of rural credit cooperatives in X County and the existence of credit risk management and control.The problems and the reasons for the credit problems were studied,and a strategy to solve the problems related to the management and control of the credit risk of rural credit cooperatives in X County was proposed in response to the current problems in the management and control of credit risks.It can provide certain reference for X county rural credit cooperatives in improving the credit risk management system,so as to solve the series of problems existing in credit risk management and control of X county rural credit cooperatives,establish a scientific and comprehensive credit risk management and control mechanism.