Rural credit cooperatives are not only the main operators of micro-credit loans, but also the only undertakers of risks. According to the principle of unity of decision-making and risk responsibility, rural credit cooperatives should make a final decision on the term, interest rate and amount of loan authorization, and other administrative subjects should not interfere or set indirect obstacles in relevant policies and systems. The essential feature of micro-credit loans for farmers is loans, and repayment is the first principle of credit funds. It is not only different from general commercial financial loans, but also different from the operation of donated funds by some foreign institutions, and even different from financial subsidies for poverty alleviation. Therefore, the high loan collection rate of farmers' micro-credit loans is the most fundamental premise to maintain their continuous loan activities.

Problems and Countermeasures of Rural Credit Cooperatives in lianghe county

Problems and Countermeasures of Rural Credit Cooperatives in lianghe county;

1. Problems: the loan security conflicts with the agricultural production risk, the credit guarantee mode and the safe operation of funds are very difficult, and farmers' understanding is biased, which makes the moral hazard of farmers' micro-credit loans more prominent, and the small-scale decentralized business model has defects. The operation mode is limited, the credit team is weak, and the promotion of micro-credit loans for farmers lacks sufficient motivation.

2. Countermeasures: Optimize farmers' information resources, establish farmers' credit system, give full play to the role of village committees of rural grass-roots party branches, promote the construction of credit villages (towns), constantly enrich and improve the operation methods of farmers' micro-credit loans, attract more farmers with preferential policies, and inject vitality into farmers' micro-credit loans.

Microfinance risk

In recent years, micro-credit loans have developed rapidly. More and more people begin to solve the financial problem through micro-credit loans. However, the risks of micro-credit loans also exist. Details are as follows:

1, affecting personal credit information.

Credit loans can not be repaid on time, and there will be overdue repayment records, which will affect the application for personal loans and credit card business in the future. It will be more difficult to buy a house and a car with a loan in the future, and it will be more difficult on the financing road.

2. High cost and high repayment pressure.

Compared with other loan businesses, the interest rate of credit loans is relatively high, and some even approach the red line of 36% annual interest rate. If the credit loan cannot be repaid on time, there will be not only interest, but also penalty interest, which will bring further repayment pressure to the borrower. According to different lending institutions, the penalty interest method is different and the penalty interest amount is different.

Step 3 collect violence

At present, there are still some micro-credit loan platforms that are not very formal, not only charging high interest, but also violent collection. Some borrowers are threatened by the force of the micro-credit loan platform when they are unable to repay their loans.

Problems and Countermeasures of Rural Credit Cooperatives in Xunhua County

The problems and countermeasures of rural credit cooperatives in Xunhua County are as follows:

1, the existing problems are as follows: the credit environment is not ideal. In the face of credit cooperatives' micro-loans, the defrauded funds should be sold, and the more the better, but they don't consider personal repayment ability, so that when it comes to repayment, they start running around and avoiding debts. The weak credit awareness of farmers is only one of the reasons for this phenomenon, and the lack of national laws also makes this phenomenon worse. For example, the state's lack of protection for creditors and constraints on debtors leads to debtors' psychology of not paying their debts, which intensifies the weak credit consciousness of repaying loans and interest in society.

2. Low loan management level The main business of microfinance business is at a low level in terms of hardware facilities, personnel quality and management level. Therefore, it is impossible to effectively carry out sustainable microfinance business, which makes it difficult to put loan management in place. First, there is a lack of a set of reasonable and effective evaluation methods, which can not reasonably evaluate the personal reputation, repayment records, production and business activities of farmers. However, due to its subjectivity and arbitrariness, the current method cannot effectively deal with all kinds of bad debts because it roughly fills in the files of farmers. get ready

3. Lack of effective risk sharing mechanism. The payment and repayment of funds affect the income, which requires rural credit cooperatives to establish a good risk compensation mechanism. For the current rural credit cooperatives, it is precisely the place that needs improvement. Due to the low efficiency of agricultural input, it is also affected by various natural factors and market factors.

4. Countermeasures: The threshold for optimizing rural credit environment is low, and farmers are not clear about the specific business, loan requirements and repayment level of microfinance. In addition, the credit staff of rural credit cooperatives should patiently do a good job of propaganda and explanation for some farmers' wrong understanding and following the trend of lending, and make full use of the propaganda function of various media, such as television and newspapers. To let farmers know the original intention and various benefits of rural microfinance, only they actively cooperate with the countryside. 2 1 Century China is a country ruled by law, so we need to keep pace with the times and strengthen the construction of the legal system. In order to strengthen the legislative work of rural economic and financial construction, relevant laws and regulations to protect rural cooperative finance should be promulgated as soon as possible. For example, in view of the actual situation of rural credit cooperatives, through the implementation of a series of laws and regulations, the Cooperative Finance Law was promulgated, which strengthened the judicial and law enforcement efforts, increased the punishment for dishonesty, increased the default cost of borrowers, and created a good credit environment for the survival and development of rural credit cooperatives.

5. Strengthen the self-construction of rural credit cooperatives. In real life, the managers of rural credit cooperatives at all levels walk with one foot, that is, they have rich practical experience, but their theoretical foundation is not solid. Therefore, we should strengthen the theoretical research on managers. Learn basic knowledge, guide their practice with better theory, and let them learn to walk on two legs. At the same time, it is necessary to establish the necessary incentive mechanism to mobilize the enthusiasm of credit personnel. Because different levels of agricultural production have different needs, we need to establish demand-oriented micro-credit services, really start from farmers, strengthen business innovation, and expand the variety of micro-credit.

6. Strengthen the self-construction of rural credit cooperatives. In real life, the managers of rural credit cooperatives at all levels walk with one foot, that is, they have rich practical experience, but their theoretical foundation is not solid. Therefore, we should strengthen the theoretical research on managers. Learn basic knowledge, guide their practice with better theory, and let them learn to walk on two legs. At the same time, it is necessary to establish the necessary incentive mechanism to mobilize the enthusiasm of credit personnel. Because different levels of agricultural production have different needs, we need to establish demand-oriented micro-credit services, really start from farmers, strengthen business innovation, and expand the variety of micro-credit.

So much for the introduction of farmers' micro-credit loan risks.