| China released the annual "No 1 Central Document"focused on three dimensional rural issues in 13 consecutive years.In February 19th,2019,the CPC Central Committee and the State Council pointed out that the agriculture and rural development should be the priority for the development of agriculture,rural areas and farmers.The Central Committee of the CPC held that under the complicated situation of increasing economic pressure and profound changes in the external environment,it is of special importance to do well in the work of agriculture,rural areas and farmers.Rural credit cooperatives,founded in the early days of the people’s Republic of China,have been undertaking the special mission of providing financial services for agriculture,rural areas and farmers.As agriculture is the basic industry of our national economy,farmers account for the vast majority of our population,which determines the position of rural credit cooperatives as the main force of rural finance,and also determines that rural credit cooperatives are the most important financial institutions supporting agriculture.XC County,some city,Henan Province,is a national poverty-stricken county.Over the years,governments at all levels have made great efforts to tackle poverty in XC County.Rural credit cooperatives,as the main financial institutions in rural areas,shoulder the task of supporting the main force of agriculture.Then there are many problems in the reform process of rural credit cooperatives.This paper mainly takes XC County Rural Credit Cooperatives as the research object to analyze the non-performing loan problems.Based on the internal data of rural credit cooperatives in XC County and interviews with the staff,this paper concludes that the main causes of non-performing loans are external environmental factors and internal management factors of rural credit cooperatives.The external causes are mainly the weakness of rural areas,the decline of macro-economy and the huge collapse risk of local popular private loans.The internal management reasons of rural credit cooperatives mainly include performance appraisal The standard is inaccurate,the risk control measures are weakened,and the risk prevention awareness of employees is not strong.According to the actual situation of rural credit cooperatives in XC County,this paper puts forward a series of practical measures to enffectively reduce the non-performing loan rate.In view of the external macroeconomic environment,it is suggested that the relevant departments should increase the support of rural finance and accelerate the construction of inclusive financial system.Some suggestions are also put forward for the internal management of rural credit cooperatives.For the behaviors of rural credit cooperatives credit staff who ignore credit risk in order to pursue business volume,it is suggested to rationalize the performance assessment standards,establish a professional credit team,improve the risk prevention awareness of employees,standardize the credit operation process,establish a risk early warning system,improve the credit rating system,and optimize the guarantee system.By 2020,China will build a well-off society in an all-round way,and poverty alleviation is imperative.Rural credit cooperatives are the main force in poverty alleviation.The problem of non-performing loans of rural credit cooperatives in XC County is universal,and there are similar hidden dangers at all levels of rural credit cooperatives in China.How can rural credit cooperatives effectively solve the current financial difficulties and play a solid role in the rural financial field at the end of poverty alleviation. |
