xj农村信用联社信贷风险管理研究工商管理专业论文.docxVIP

Abs仃actRural Abs仃act Rural credit cooperative is a major component of China’S rural financial market in the provision of financial products and services while also shoulder the great mission”three rural” economic development is the construction of new socialist rural economy the main force． China’S rural credit cooperatives bear more than other state-owned commercial banks’social responsibility．XJ rural credit cooperatives as local financial institutions，mainly engaged in the traditional deposit and loan business，operating a single species，almost all rely on a source of profit deposit and loan spreads，high credit risk concentration，once a large area of credit risk assets appear，mey arrival means management of the crisis，SO it is necessary for credit asset risk management XJ rural credit cooperatives were studied． This study focuses on solving XJ rural credit in the credit risk management of existing problems．In credit risk management theory of adverse selection theory,moral hazard theory, the theory of rent-seeking credit market，asymmetric information theory as the basis，through the XJ rural credit cooperatives to conduct field surveys and comprehensive literature analysis， comparative analysis，case analysis of the survey data for system analysis，we found XJ rural credit cooperatives in the credit risk management problems managers main reasons lack of experience，poor asset quality,low level of overall quality of staff,to focus only on short-term performance targets，identifying the presence of credit risk models in five categories in the loan process is not accurate，the internal customer credit rating is relatively backward，internal control management system is imperfect credit，credit risk early warning system is not perfect， and inadequate policy support and SO on． Based on the XJ rural credit cooperatives credit risk analysis of the causes，we conclude XJ rural credit cooperatives credit risk management programs and the corresponding security measures，including adva