First, change the management concept from loan management to risk management, and establish an effective loan risk analysis, control and prevention mechanism. The essence of credit management of rural credit cooperatives is to control credit risk. First of all, it is necessary to establish a risk pre-judgment mechanism and a "risk warning card" system, and list the possible and existing risk points in the process of credit operation one by one, so as to make early prediction, early detection, early prevention and early standardization. At the same time, set up "risk warning boards" in key areas to remind credit personnel of potential risks in business in time, so as to quickly identify, measure, prevent and dispose of risks. Secondly, according to the customer's financial situation, repayment ability, repayment ability, repayment willingness, credit status, performance level and other basic elements. Establish a risk monitoring platform for loan customers, enhance the risk early warning ability, make real-time adjustments according to the actual situation of borrowers, and dynamically monitor the risk level of borrowers, so as to provide a basis for rural credit cooperatives to improve their credit asset monitoring ability and preserve credit assets. Third, establish an independent risk management department and risk monitoring team, whose main duties are to analyze and estimate the risk points in the process of credit business operation one by one, calculate the risk loss rate and risk occurrence rate of each risk point, and queue each risk point accordingly, remind credit personnel to pay attention to hidden dangers with high risk loss rate and risk occurrence rate, and put forward their own reasonable preventive suggestions to ensure nip in the bud. Fourth, strengthen the refined and quantitative risk management, rely on the risk monitoring ledger, strengthen the collection of risk factors of borrowing customers, establish the risk management file of each customer, as the basis for credit personnel to judge the risk level of borrowing customers, and then determine the reasonable credit rating, interest rate level, loan term, etc. , control the loan risk from the source, and ensure the safety and efficiency of credit funds.

Two, establish a perfect "in and out" mechanism for credit personnel, always maintain the efficiency and professionalism of the credit team, and effectively improve the overall quality of credit personnel. The quality of credit personnel is directly related to the quality of new loans of rural credit cooperatives. Their comprehensive quality and professional level is one of the important measures for rural credit cooperatives to improve the market competitiveness of credit business and accelerate business innovation. First of all, we should establish a credit team with orderly competition, ability to go up and down, ability to enter and exit, give priority to selecting young people with strong cultural level and high comprehensive quality, especially new college students in recent years, enrich their credit posts, enhance the practical experience of young employees, keep the credit team constantly replenished with new blood, and promote its development in the direction of youthfulness, specialization and efficiency. Secondly, we will resolutely implement the rotation system, including not only the exchange between credit officers, but also the rotation of internal and external services, so as to expand the knowledge of credit officers, completely change the current situation of the separation of "internal and external" knowledge of credit officers, urge credit officers to take "internal and external" courses, keep abreast of the operational risks of various businesses, and establish a more knowledgeable, professional and risk-conscious credit team. Third, continuously strengthen the training of loan officers, standardize the training process, object, content and assessment by establishing a more perfect training mechanism, maintain the sustained and effective development of credit officers' cultural level, knowledge level, practical experience and exchange exercise, and focus on cultivating credit officers' loan management concept, business innovation awareness, marketing means and risk discovery ability. Fourth, the loan officers themselves should constantly strengthen their study and improve their professional level and risk prevention ability. Every credit officer should establish the concept of active learning and "I want to learn", constantly enrich their comprehensive knowledge, organically combine credit risk control with market development, and create a new situation in credit work.

Third, adhere to the principle of prudent operation, strictly select loan customers, strengthen supervision and inspection of borrowers, keep abreast of borrowers' production and operation, and prevent and control risks. The choice of borrowing customers is the key to improve the quality of new loans. Only by selecting high-quality customers with good credit standing and development potential can we effectively improve the quality of new loans of rural credit cooperatives. First of all, to learn how to understand customers, credit officers usually go through three stages: loan interview, credit investigation and financial analysis, supplemented by the analysis of customers' industries and market prospects, so as to determine whether customers meet the credit application conditions of rural credit cooperatives. Secondly, pay close attention to the borrower's production and operation in time, grasp the borrower's development trend through the change of its capital account and the preparation of financial statements, and judge whether it can settle interest and repay the loan on time. Once potential risks are discovered, measures such as increasing guarantees and early recovery should be taken as soon as possible to prevent borrowers from transferring risks to credit cooperatives.

Fourth, continue to optimize the credit structure, do a good job in credit projects, and ensure that credit funds are loose. The continuous optimization of credit structure is a necessary means for rural credit cooperatives to adapt to the development of county economy, whether it is to improve the quality of new loans or an important measure for rural credit cooperatives to operate steadily and develop steadily. First of all, it is necessary to analyze the development status of county economy and put forward a reasonable proportion of credit varieties, which can not only support the county economy to continuously deliver blood to it, but also maintain the good operation of rural credit cooperatives, realize benign interaction and achieve a comprehensive win-win situation. Secondly, within the existing credit line, we will continue to increase the credit funds for supporting agriculture, continuously enlarge and strengthen the second repayment source loans, conditionally gradually reduce the proportion of secured loans and credit loans, and actively carry out various forms of mortgage loans. Third, make a detailed credit project. As a service project to enrich the people, the credit project can only consolidate and expand the rural market and make rural credit cooperatives invincible in the competition. All grass-roots credit cooperatives should set up a credit evaluation team in time, combined with the initial credit evaluation team of the villages under their jurisdiction, to ensure the overall promotion of credit project construction.

Five, strictly implement the system of "three checks on loans", effectively separate the "five posts" and "three rights", form a standardized credit operation process of mutual restraint and mutual supervision, and put an end to the existence of illegal operations. First of all, the loan "three checks" system is the basis for rural credit cooperatives to carry out credit business and must be strictly implemented. Through the implementation of the "three inspections" of loans, it is beneficial for lenders to fully understand and master the borrower's operating conditions and loan risks, discover potential risks in time, and take corresponding risk prevention and control measures to ensure the safety of credit funds of rural credit cooperatives. Secondly, we must strictly implement the "five posts" system and effectively separate the "three powers". The "five posts" of credit, namely investigation post, examination post, examination post, inspection post and examination post, are the post settings for rural credit cooperatives to handle credit business, while the "three rights", namely examination, loan and investigation, are the operating rules for rural credit cooperatives to handle credit business, which clearly stipulate the issuance of all new loans. Offenders shall be investigated for direct responsibility and leadership responsibility, and the separation of five posts and three powers has formed an effective mechanism of mutual restriction and supervision, which has increased the transparency of loans and ensured the quality of new loans.

Six, the establishment of loan maturity prompt system, improve the assessment mechanism, the quality of new loans into the performance appraisal, so as to guide credit personnel to pay attention to the quality of new loans. First, it is necessary to establish a loan maturity reminder system. At the beginning of the month, the loans due this month will be sorted and distributed to the grassroots credit cooperatives, and the account managers will be urged to recover the loans on time. If there are difficulties in collection, preservation measures should be taken in time. The second is to increase the quality assessment indicators of new loans, and strengthen the assessment of indicators such as the recovery rate of mature loans, the recovery rate of interest on mature loans, and the non-performing rate of new loans. Third, strict assessment and accountability. To assess the quality of new loans, we should not only assess the recovery rate of loans due, but also assess the non-performing rate of new loans. We should seriously investigate the relevant responsibilities for the formation of non-performing new loans, timely issue the collection target, and effectively increase the assessment of the quality of new loans that are not promoted.