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Research on Credit Risk Management of Rural Credit Cooperatives

Author: TanYong
Tutor: PuYongJian
School: Chongqing University
Course: EMBA
Keywords: Rural Credit Cooperatives Credit Risk Credit Risk Management
CLC: F832.4
Type: Master's thesis
Year: 2007
Downloads: 802
Quote: 2
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Abstract


In recent years, rural credit cooperatives reform process, to resolve a large number of non-performing assets, made a lot of the initial results, but from the objectives of the reform of rural credit cooperatives is still far away. The ultimate purpose of the reform of rural credit cooperatives is to build a service to agriculture, rural areas and farmers' financial service system, the current progress of the reform of property rights and trends in institutional arrangements, management system and organizational mechanism design, benefit-sharing and other aspects have not yet reached a consensus, the reform also In advancing. Indeed, joint-stock reform of rural credit cooperatives mode there may be deviation service \RCCs bonus levels are too high may lead management role conflict with the general membership. Many of these problems should be addressed in the reform. Based on the rural credit cooperatives general principles of credit risk management, management methods, theories of credit risk management and credit analysis of case studies to explore the rural credit cooperatives credit risk management of the direction of development and basic methods. Rural credit cooperatives in the right analysis of the status of credit risk management, the paper obtained: Currently RCC risk management (credit risk, market risk, operational risk) problem has particularly prominent, especially in rural credit cooperatives credit risk management, RCC risk control capacity is very low, the credit risk control and management, backward technology, the ability to identify low-risk, quantitative analysis of small, basically a simple qualitative analysis, credit risk management organization to ensure no more credit is not formed good risk management culture. Credit risk identification from the perspective of the Western bank credit risk identification methods, found China's rural credit cooperatives and commercial banks' loan before, after loan credit risk identification, there are many problems, so China's rural credit cooperatives in improving recognition of credit risk useful suggestions, including: building a strict accountability system; establish a risk assessment system as the core; reform of the current credit due diligence, establish a unified qualitative analysis and quantitative analysis of the combination of due diligence mode; fully implemented the five loans level classification. In terms of credit risk measurement, our current credit risk measurement technology and management level and mature market economies compared to the level of risk management can be said that far apart, especially in rural credit cooperatives credit risk management measure is relatively backward. We therefore recommend that our country's rural credit cooperatives and commercial banks should establish default database, and further details of the loan risk classification, increase research and development efforts econometric model, sound risk management system and performance appraisal system and so on. From a credit risk control aspects of the international advanced credit risk management framework and organizational culture based on good credit risks are introduced, and the Construction of China's rural credit cooperatives credit risk prevention and control system aspects of in-depth discussions and focuses on four kind of prevention and control measures. First, build a sound credit risk management system, develop a healthy credit culture; two extracts are reasonable allowance for doubtful accounts, loan risk compensation for losses; three loan pricing is reasonable and balanced risk-return relationship; Fourth, the rural credit cooperatives should take credit funds Multiple configurable way to diversify credit risk.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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