On Developing Small Credit in Heilongjiang Rural Credit Cooperatives

Now,the development level of Heilongjiang rural credit cooperatives is lower and there are many problems.In general,the credit scale is small and funds supply is insufficient in rural credit cooperatives;the risk prevention consciousness is weak and lack of market competition;property ownership is unclear and external management is disordered.Hence,we should take the experience from developed provinces and cities at home,develop innovation of financial products and services to expand the scales of deposit and credit;reduce market risk and maintain the sustained business of rural credit cooperatives by taking market as guidance,profit as goal,and interest as lever;quicken the reform of property system on rural credit cooperatives,clarify property ownership,improve corporate governance;and then effectively construct credit rating organization and develop policy insurance to prevent credit risk of small credits from multiple channels.