The Research On Credit Risk Management About Rural Credit Unions In T-country

The "three-agriculture" work has been praised by the government concerned in our country.Xi general secretary in his government work report has stressed the importance of the service " three-agriculture ",points out that our country economy in the economic concept of the new normal is in a new period of development,economic growth is slowing,optimization and upgrading of economic structure is always the third industry gradually become dominant,tend to be more stable economic development.In economy under the new normal,support the development of county economy and the service " three-agriculture ",there is the risk control ability of rural credit cooperatives and credit risk prevention and control requirements under the new economic norm,the contradiction of there is " three-agriculture " high risk and the main force of rural credit cooperatives is to support rural financial service,risk of excessive concentration of contradictions,there exists a weak consciousness of risk prevention and control,risk identification and control ability is weak,risk compensate the shortage of resources,etc.Rural credit cooperatives,as one of the financial institutions to promote the development of economy,T county rural credit cooperatives for the local economic development has played a role,however,in today's business environment,T county rural credit cooperatives gradually exposed its own risks,faced with rising high non-performing assets,weak risk control and other issues.Therefore,how to solve the continuous rise of non-performing assets and the improvement of risk control mechanism of rural credit cooperatives in T county has become an urgent problem for rural credit cooperatives in T county to solve,which is of great significance for the long-term development of rural credit cooperatives.This paper by T county rural credit cooperatives as the research object,first introduced the selected topic background and purpose,and related research status at home and abroad,from the cause of rural credit cooperatives credit risk,risk prevention and control measures,etc,to do the sums up,It summarizes the causes of the credit risk of rural credit cooperatives,the prevention and control measures of the risk,and summarizes the existing problems of T County rural credit cooperatives from the aspects of credit risk,internal control risk,interest rate risk,moral risk and policy risk Credit risk is identified.On the basis of risk identification,the paper uses the Atman Z-score Model to make risk assessment,selects the enterprise sample data from the credit system to verify the Z-value of the enterprise,and effectively identifies the normal enterprises and non-performing enterprises according to the determination of the Z-value range,and puts forward the credit risk prevention method with measurement attribute for T County Rural Credit Cooperatives to avoid credit risk.In the fifth chapter,the problems of credit risk management system are analyzed in detail,such as the low quality of credit assets,the lack of effective credit risk management system,high-quality credit team and the lack of perfect credit risk early warning system,etc.,and the problems are also analyzed from internal and external factors.Finally,this paper combines theory with practice Methods according to the current situation of rural credit cooperatives in T County,the paper puts forward the management measures and improvement methods of credit risk,which has strong guidance and practical significance for improving the quality of credit assets and strengthening the credit risk management of rural credit cooperatives.