Study On Non-performing Loan Management Of Rural Credit Union In Y County

In the past 40 years of reform and opening up,although China's rural financial reform has made great achievements,it is still in a weak position in the entire financial system.In rural areas,financial resources are scarce and financial services are not available.In recent years,under the economic transformation and the development needs of its own management,rural credit cooperatives as an important support for the rural economy have been transformed into rural commercial banks.The Yxian Rural Credit Cooperative that is studied in this paper still does not have the conditions for restructuring.The reason is that the non-performing loan rate of the Yxian Rural Credit Cooperative has increased rapidly,and there has been a blowout,resulting in the stagnation of the development of the Yxian Rural Credit Cooperative.Therefore,the reduction and management of the non-performing loan rate must be the top priority of the current work of the Yxian Rural Credit Cooperative.This paper takes Yxian Rural Credit Cooperative as the research object to analyze the problem of non-performing loan management.First of all,the paper makes an in-depth analysis of the slow growth of deposits,the sharp decline in loans and the sharp rise in non-performing loans in the Yxian rural credit cooperatives.it analyzes the specific problems in the management of non-performing loans in Yxian County.relevant measures and suggestions for solving non-performing loans are put forward,which mainly include two parts.Including the development of special pro-poor loans in the form of policy,active activities,personnel quality improvement activities,and the development of positive credit promotion activities;The second is to propose measures for the reduction and reduction of individual human loans,including scientific internal clearance and the sale of non-performing assets.The purpose is to effectively solve the problem of non-performing loans of Yxian rural credit cooperatives and promote the healthy and sustainable development of Yxian rural credit cooperatives.Through the analysis of non-performing loan data in yxian rural credit cooperatives,this paper hopes to provide some reference to other rural credit unions while effectively solving the non-performing loan problem in yxian county.