Research On Microfinance Risk Control Of Rural Credit Cooperatives In Heze City

As the main force of China's rural financial market,rural credit cooperatives not only provide various financial products and services to the society,but also undertake the great mission of supporting the construction of new countryside.It is an important financial guarantee for the rapid development of China's socialist rural economy.Compared with other commercial banks,rural credit cooperatives need to shoulder more social responsibilities.As a local small and medium-sized financial institution,Heze Rural Credit Cooperative has a relatively traditional and single business.Due to the traditional single business operation,the credit union's profit source is concentrated on deposit and loan spreads.As an important part of credit loan types,microfinance has a great impact on credit business.Therefore,it is necessary to study the credit risk of microfinance loans of rural credit cooperatives in Heze City.This paper first summarizes the relevant theories of credit risk management at home and abroad,and finds the improvement countermeasures suitable for the micro-credit risk management of rural credit cooperatives in Heze City from relevant theories.Through the analysis of the current situation of microfinance risk in rural credit cooperatives in Heze City,the problems of the rural credit cooperatives in Heze City in the microfinance risk management are found.For example,the risk of microfinance business is prominent,and the credit union property rights system and governance structure are imperfect.The credit risk management system is not perfect,microfinance policies and systems are imperfect,and such issues are analyzed in depth.On this basis,the successful experience of foreign rural cooperative financial risk management is combined with the reality of microfinance risk management of Heze Rural Credit Cooperative.Finally,it proposes to optimize the structure of microfinance,improve quality,improve the microfinance risk assessment system,strengthen the construction of microfinance credit system,reform the credit cooperative property rights system,improve the organizational management structure,strengthen the risk management system,and improve the microfinance Improvement measures such as credit risk management system.The relevant improvement countermeasures proposed in this paper are not only beneficial to Heze City Rural Credit Cooperatives to solve the problems in microfinance risk management,but also improve the existing microfinance risk management system.At the same time,the study has certain reference value for rural credit cooperatives in other regions.