| In recent years,with the introduction of important policy documents on comprehensively promoting rural revitalization and vigorously solving the problems of agriculture,rural areas and farmers,commercial banks have begun to fall into the market and seize the market share of helping agriculture.The competition for agricultural economic development is becoming increasingly fierce.Rural credit cooperatives are the main financial institutions connecting rural economic development and have certain advantages in serving agriculture,rural areas and farmers.In addition,with the diversification of economic development and the increasing demand for social financing,real estate mortgage loan is the main credit product of commercial banks,and commercial banks are competing fiercely in the personal real estate mortgage loan market.Based on the above background,while rural credit cooperatives are expanding their business,their credit risks are gradually exposed.Coupled with the external impact of COVID-19 on economic development and the internal impact of backward rural financial environment and legal awareness,the non-performing loan ratio of rural credit cooperatives has increased sharply.Therefore,the risk management improvement plan of rural credit cooperatives’ real estate mortgage loan is studied.It is very important to promote the sustainable development of rural credit cooperatives.The branches of rural credit cooperative union in G County are all over the countryside,towns and urban areas at the same time.Based on his own experience in the credit industry,combined with a large number of literature,the author extracted the important theory of the risk management of real estate mortgage loan,and interviewed the positions and personnel related to the credit business in detail for research.Firstly,the author introduced the current situation of the risk management of real estate mortgage loan in G Union.Summarize the current loan risk identification,risk assessment,risk control,risk early warning and monitoring of four aspects of the problem,that is,the whole loan risk management process is not perfect,and deeply analyze the reasons for the formation of the problem;Secondly,in line with the logic of finding and solving problems,based on data analysis,Logitic regression mathematical model,replacement cost method,Internet big data,etc.,are introduced in a targeted and principled way,and specific improvement schemes are designed by combining qualitative and quantitative methods: Improved risk identification methods,risk assessment technology,risk control measures,risk early warning and monitoring system;Finally,to ensure that the real estate mortgage risk management improvement plan can be effectively implemented,this paper takes safeguard measures from three aspects: information technology,post-supervision system and basic personnel training.The research of this paper has practical significance for the improvement of credit asset quality and credit risk management of G Union,and also has a boost effect on the benign development of G Union,hoping that G Union can control the risk better in the road of rural revitalization. |
