Research On Financial Risk Control Of Rural Credit Cooperatives A In Yunnan Province

As a large agricultural country,the development of rural areas,the improvement of agricultural production level and the quality of life of farmers have always been the focus of the state and government as well as the party and the state.As a grassroots financial institution that directly serves the rural development and facilitates the mechanization of agricultural production,rural credit cooperatives all over the country have firmly grasped the purpose and taken serving agriculture,rural areas and farmers and promoting rural economic development as their own responsibility since their establishment,and have made due contributions to the development of rural economy in China.But as a result of China's vast,and rural economic development is uneven,and rural credit cooperatives of the special historical position,nature,function,under the circumstances of global economic integration and the competitive landscape,all kinds of financial risk has become a current our country rural credit cooperatives at the grass-roots level service for the sustainable development of rural economy and its biggest threats.Especially in recent years,rural credit cooperatives across all types of credit fraud cases frequently in the press,deeply exposed the current rural credit cooperatives daily credit management and internal control mechanism,there exist many problems,especially the ability to guard against all kinds of financial risk is low,the face of all kinds of financial risk can't resolve by himself and is helpless,lead to all kinds of financial cases occur frequently.Therefore,it becomes extremely urgent to sort out and analyze the problems and causes of rural credit cooperatives based on the financial risk control mechanism and put forward specific and targeted measures to prevent financial risks.This paper takes this as the starting point of research,and selects yunnan province as the support of relevant theories of financial risk management As A sample,rural credit cooperatives carried out targeted research on financial risk control.In the research,firstly,financial risk management theories such as financial risk,financialcrisis and financial security are grasped to sort out the credit risk,interest rate risk and operational risk which are commonly existed in rural credit cooperatives in China.On this basis,this paper summarizes and analyzes the current financial risk management and control situation,existing problems and internal and external constraints of A rural credit cooperative.Mountain can offend jade,the research in the United States,Germany and Japan and other advanced countries rural cooperative financial institutions experience,analysis of mechanism and Revelations of the financial risk,according to A financial risk prevention and control is put forward including the reform of rural credit cooperatives in yunnan province and improve the credit management system,mechanism,improve internal audit system,and strengthen staff such as concrete,feasible countermeasures.It is hoped that the research results can effectively improve the financial risk management and control ability of yunnan A rural credit cooperatives,and at the same time can provide beneficial reference and inspiration for other rural credit cooperatives in China to deal with and resolve financial risks.