What are the most prominent risks of credit cooperatives?

(1) The credit risk status of rural credit cooperatives 1. Weak awareness of risk management. Some rural credit cooperatives have not strictly implemented the operating rules of credit issuance, and the control of loan issuance is not strict. Generally speaking, from top to bottom, we first obtain the loan intention of the superior, and then handle it step by step, so that the credit staff of the grassroots credit cooperatives mistakenly think that since the superior has the loan intention, we will follow. This reverse procedure operation with the bottom-up loan marketing of commercial banks makes a considerable number of credit managers have a weak sense of risk, and even appear false, untrue and concealed behaviors in the first-hand investigation materials. Second, mortgage guarantee is just a form. At present, in addition to granting credit loans to small farmers, rural credit cooperatives generally use mortgage loans to prevent credit risks. However, there are the following problems in practice: First, the value of collateral is too high or the proportion of right value recognized by the competent authorities is too high. When the borrower's first repayment source is not enough to dispose of the collateral, its realized value is not enough to cover the loan principal and interest, and some even have to pay expensive asset preservation and execution fees; Second, the investigation on the ability of the mortgagee and guarantor is not true, and there are many insurances for one person, cross insurance and so on. Usually, the supervision of collateral is not strict, and the potential risk is great; Third, the signing mode of mortgage guarantee contract is different, the elements are incomplete and the subjects do not match, which makes the mortgage guarantee contract invalid and forms an invalid mortgage. Third, the quality of credit assets is not true enough. First, the loan occupation pattern has not been adjusted in time, even if non-performing loans have been formed, they are still reflected in normal loan subjects. As reflected by individual rural credit cooperatives, according to the five-level classification of loans, the balance of non-performing loans accounts for more than 70%, and the credit risk hidden danger of rural credit cooperatives is more prominent; Second, there are many loans for repossession. After the loan expires, as long as the loan interest can be recovered, many credit cooperatives take the way of recovering loans, and some large loans are recovered many times, which affects the liquidity of credit funds and covers up potential credit risks. Third, usury still exists. Fourth, the loan management is lax and the internal control system is weak. First, the pre-loan investigation is not deep enough, and the analysis of the borrower's first repayment source is inaccurate and insufficient attention is paid. Second, loan review and loan approval need to be strengthened. Some credit cooperatives and people who participate in the loan review meeting know little about the basic situation of borrowers, which will inevitably lead to decision-making mistakes and the phenomenon of not strictly implementing the separation system of loan review. Third, it neglected the post-loan management, and repeated the management thinking of light collection and light management. Fifth, information feedback is not timely and accurate. The investigation information of illegal loans such as multiple loans, cross-borrowing and cross-regional loans can not be obtained in time through the credit information system, and the customer information with bad credit records can not be found in time, resulting in the phenomenon of multi-head borrowing by one household and cross-borrowing by multiple institutions. Six, enterprise restructuring and bankruptcy have a serious impact. Due to the deviation of enterprise cognition and motivation, and the influence of local government protectionism, enterprise restructuring and bankruptcy have caused great risks to the credit funds of credit cooperatives, and debt evasion and cancellation have occurred from time to time, and a large number of credit funds have been swallowed up and lost. Seven, the disposal of non-performing assets lags behind, and the implementation of loan responsibilities is weak. For the non-performing assets that have been formed, the early warning information is not timely and comprehensive, which is difficult to dispose of and the cost of collecting loans is too high. Although the asset preservation department tries hard to revitalize the collection through multiple channels, most of the principal and interest are difficult to pay off.