The Improve Research Of Credit Risk Management In Xinjiang HS County Rural Credit Cooperatives

Finance is the core of the modern economy.Financial security is an important part of national security.In accordance with the requirements set forth by the 19th CPC National Congress,Fight against major risks to fight defensive battle,focusing on prevention and control of financial risks.Into a new era,The first priority of banking institutions is to firmly grasp the bottom line of risk and enhance the economic capability of service entities.Xinjiang HS county rural credit cooperatives is the main force of rural finance.lt has made a significant contribution to economic development,However,affected by the economic downturn and the special credit environment in rural areas,Faced with the risk of rising non-performing assets and the imperfect credit management,Xinjiang HS county rural credit cooperatives must establish and improve the credit risk management system,which concerning the development of rural credit cooperatives and the significance is particularly significant.The paper takes Xinjiang HS county rural credit cooperatives as the research object,Through analyzing the existing problems and forming reasons in credit risk management of rural credit cooperatives in HS county in Xinjiang,this paper puts forward specific measures to improve the design and implementation of safeguards.First of all,the dissertation gives a detailed review of the research literature on credit risk management of commercial banks at home and abroad,explains the relevant theoretical knowledge and research methods of credit risk management,This study laid a theoretical foundation.Second,the paper analyzes the existing problems of credit risk management of rural credit cooperatives in HS County,Xinjiang,and summarizes the problems in four aspects:The quality of credit assets is not high,Lack of implementation of credit risk management system,Defective credit risk management process,The overall quality of credit officers is not high.The thesis analyzes the causes of the above problems comprehensively and finds out the main reasons of the credit risk management problems are as follows:Poor credit environment,Credit risk management mechanism is not perfect,Weak awareness of credit risk prevention and control,Credit risk management culture is missing.Thirdly,according to the existing problems and their causes,the dissertation puts forward the improved design of credit risk management from four aspects:improving credit asset quality,Strict implementation of credit risk management system,Optimize credit risk management process and improving personnel comprehensive quality.Finally,the paper puts forward the corresponding safeguards for improving the design:Accelerate the construction of rural credit environment,Improve risk management system,Reconstruction of credit risk prevention and control mechanism,Cultivate credit risk management culture.For a long time,people pay more attention to credit risk management problems faced by commercial banks,while less research has been done on credit risk management of rural credit cooperatives.This paper studies the problems existing in the credit risk management of rural credit cooperatives in HS County of Xinjiang to find out the reasons for the problems and put forward feasible improvement designs to promote HS Credit Cooperatives in HS County in Xinjiang to strengthen the construction of a comprehensive credit risk management system,Ensure HS County,Xinjiang Rural Credit Cooperatives stable and far.