Research On The Credit Risk Control Mechanism Of XL Rural Cooperative Bank Under The Background Of Restructuring

In order to better adapt to the current economic development situation,enhance the competitive ability and strengthen the strength of small branches of supporting agriculture,the rural credit cooperatives in all parts of the country are constantly improving the corporate governance structure,controlling the related risks,and actively and steadily to the rural areas.The transformation of commercial banks.However,in the process of restructuring,rural credit cooperatives are facing many risks and problems.Credit risk is one of the most important risks.At the same time,according to the relevant regulations of the China Banking Regulatory Commission,the reform of rural credit cooperatives should effectively control credit risk in a short period of time and achieve "the rate below 5%".Therefore,this article takes the XL rural cooperative bank as an example,from the credit risk inhibition mechanism,the credit risk compensation mechanism and the letter.On the basis of loan risk transfer mechanism,this paper studies the credit risk control mechanism under the background of restructuring,which aims to provide effective credit risk control mechanism for rural credit cooperatives in the process of restructuring,and further help rural credit cooperatives to achieve greater autonomy in the process of controlling the restructuring stage of credit risk,and can win.The advantages of the restructuring time will be more conducive to the control of credit risk in a short period of time,as soon as the threshold of "the rate of non-performing loans below 5%" is reached,and then the system is successfully reformed.