Research On Credit Risk Management Of Credit Business Of Rural Credit Cooperatives In T City

Rural credit cooperatives are local community financial institutions composed of farmers,individual businesses and small and medium enterprises.They are an important part of China's financial system.They are the main force of rural finance and the financial ties with farmers.For a long time,the rural credit cooperatives have served the "three rural" as their own task and played an important role in supporting the development of agriculture,farmers and rural economy.Since 1999,in order to adapt to the development of agricultural and rural economy in the new stage,the rural credit cooperatives actively offer micro credit loans and guaranteed loans for farmers,and vigorously promote the credit of the farmers,rural credit evaluation activities,greatly simplifying the farmers loan procedures,convenient loans to farmers,farmers also make loans face has been greatly improved,the troubled years of the farmers loan difficult problem has eased to some extent.With the deepening of China's financial system reform,a large number of commercial banks have been withdrawn from rural financial institutions.The task of rural credit cooperatives for the "three rural" services is more arduous and more prominent.The credit business of rural credit cooperatives has developed rapidly,and the rapid growth of loans has strongly supported the development of local economy,enhanced profitability and improved the social reputation of rural credit cooperatives.However,with the continuous deepening of the reform of rural credit cooperatives,credit risk is becoming increasingly apparent,and the amount of bad credit assets and the ratio of non-performing assets have also risen in a straight line.In recent years,the economic slowdown,increasing downward pressure on the economy under the condition of rural credit cooperatives in T city rebound of non-performing assets and non-performing assets pressure gradually increased,to offset the risk of a serious shortage of capacity,further reducing non-performing assets drop space,resolve the historical burden of difficulty is greater,the situation is not optimistic,has compromised the rural credit cooperatives in T city the survival and development.For the balance of non-performing loans,pen number,complexity and problems about increasing new one after cleaning up a loan of rural credit cooperatives in T city according to the township distribution of non-performing loans,according to local conditions,develop the collection of different programs,take to collect,middle-level cadres helping,pay risk,signed responsibility shape,leading the pack in a variety of ways to resolve.In order to regulate the credit operation,reasonable credit,timely adjustment of rural credit cooperatives in T city outlets credit approval authority according to the risk of credit assets,strengthen the loan review efforts to review,analyze and evaluate the loan information integrity,procedure legitimacy,compliance procedures,improve the quality of rural credit cooperatives in T city overall credit assets.Through training,we can improve employee's professional skills,through risk investigation,improve the ability of internal supervision,perform performance appraisal,implement lifelong loan responsibility system,and effectively deal with credit risk.Adhering to the concept of "openness,fairness and fairness",we should achieve openness and transparency in the process of credit delivery,and create a green and efficient way to support agriculture loans.Although some results have been achieved,the overall view is not ideal.To sum up,only by preventing and resolving credit risks can we provide reliable guarantee for the sustainable development of rural credit cooperatives in T city.Therefore,the study of credit risk management of rural credit cooperatives in T city is an important topic concerning the sustainable development of credit cooperatives.In this paper,the credit risk management theory based on the research at home and abroad were summarized,then the general situation,from the credit risk management,credit risk management of the existing problems in three aspects,mainly according to the COSO "enterprise risk management integrated framework" in T city,the credit risk of rural credit cooperatives existing problems from internal management the environment,target setting,risk identification,risk assessment,control activities,information and communication,risk response and monitoring of the 8 aspects of a comprehensive and specific research.Using the questionnaire survey method and the risk expert survey enumerating method,credit risk identification,credit risk assessment and credit risk response are carried out.Finally,according to the existing problems of rural credit cooperatives credit risk management in T city,it puts forward targeted improvement measures,including optimizing credit risk management process,training professional talents,improving internal communication mechanism,strengthening risk monitoring and early warning and improving measures.Through the analysis of rural credit cooperatives in T city credit risk management problems of the exploration of the strategy to solve,is conducive to the management of rural credit cooperatives in T city,according to the understanding of the current situation,formulate effective measures,to further improve the management of credit risk and the importance of the credit risk management level,and provide a powerful guarantee for the future development of a good rural credit,while also providing credit risk management experience for other financial institutions,to promote the development of the industry organization to help.