Study On Risk Management Of Rural Credit Cooperatives In Qinghai Province

With the acceleration of economic globalization,China's financial institutions are facing unprecedented challenges.As an important financial institution serving the rural economic market,the risk of rural credit cooperatives should not be underestimated.Improving the risk management level of rural credit cooperatives can not only ensure the healthy development of economy,but also promote the transformation of rural economy,and support and ensure the smooth construction of new socialist countryside.Based on the purpose of preventing and curing the risks of rural credit cooperatives in Qinghai Province,this paper will discuss the present situation and existing problems of risk management of rural credit cooperatives in Qinghai Province,hoping to improve the risk management of rural credit cooperatives in Qinghai Province through research and analysis.Through the construction of risk management level evaluation model and the analysis of risk management situation of associations in Qinghai Province,it is found that although Qinghai Agricultural Credit Cooperatives have established a relatively perfect risk management system,due to lack of management experience and inadequate management concept,compared with other regions,there are still unscientific methods of credit risk assessment,unreasonable creditors,improper process execution,etc.The risk situation is not optimistic for the problems of staff supervision and restraint,unreasonable business structure and other risk management issues.In order to promote the steady development of rural credit cooperatives in Qinghai Province and give full play to the supporting role of rural credit system in agricultural and animal husbandry production and operation,the paper puts forward some countermeasures and suggestions,such as building advanced risk management culture,consolidating the basis of comprehensive risk management,establishing accountability system,improving internal control mechanism,continuously strengthening the construction of risk management team,and developing strategic cooperation with other enterprises.