Research On Credit Management Of N Rural Credit Cooperatives

Rural credit cooperative(RCC)is one of the most special financial institutions in China’s banking industry,which serve the largest population and operate the most flexible financial institutions in China.It is a unified legal person based on the county area.Therefore,compared with other commercial banks,rural credit cooperatives have a flatter corporate governance structure,a shorter decision-making chain and a higher loan issuing efficiency.The main source of profit for rural credit cooperatives is still lending.At present,the world is still in the wake of the COVID-19 pandemic,there are many uncertain factors in the economic development prospects,the activity of capital is reduced,and the risk of default is increasing.Restricted by the size of institutional assets,business scope and other factors,and the impact of credit business is huge for credit cooperatives.How to standardize the management of credit business,how to give full play to the advantages of rural credit cooperatives to operate loans,how to resolve the stock of non-performing loans,Why can credit business malformed development.the above problems need to be analyzed by the actual situation of the credit business of rural credit cooperatives.Firstly,this paper mainly analyzes why we choose to change the topic and what significance will be brought by studying this topic,and then summarizes the domestic and foreign literature,and sorts out the many professionals have carried out various studies on this issue.Using case analysis method,summary induction method and other methods to select the credit business data of N rural credit cooperatives from 2010 to 2021,through the loan growth rate,loan types,non-performing composition and other discuss it under various conditions the credit business management of the institution.At the same time,other banking institutions in the region are selected as the comparison object to analyze the shortcomings of N rural credit cooperatives,including the imperfect loan system,the implementation of the three-check system is not in place,the internal control is not standardized,and the shortcomings of each link are analyzed from the perspective of the causes of non-performing loans.Then through the external and internal environmental status quo of N rural credit cooperatives,which causes of all analysis of the degree of impact under the overall economic environment the change of consumer habits,the defects of corporate governance,the operation mode is too traditional,and the strategic decision deviates from the institutional positioning.Based on various regulatory policies,this paper,after analyzing various policies,proposes that the institution should adhere to the institutional positioning of farmers,small and micro enterprises and other aspects to increase the lending efforts;Accelerate the reform of rural commercial bank,Perfect credit system construction,and comb the internal system to strengthen the internal management system construction With the increasing supervision of regulatory authorities,the criterion of compliance operation has been paid more and more attention by institutions.This paper creatively puts forward the unique methods for rural credit cooperatives,such as strengthening the party building,promoting the reform of property rights system and sticking to the institution positioning,by using the familiar knowledge of countermeasures of supervision and management.At the same time in organization,personnel,science and technology and other aspects to strengthen the corresponding safeguard measures.It is expected to be beneficial to the loan business management of N rural credit cooperatives,improve the quality of credit business,reduce the occurrence frequency of non-performing assets,enhance the profitability of institutions,and improve the competitiveness of institutions.