The Study Of China's Rural Micro-credit Policy Risk

Small agricultural credit policy is our one of the important rural area financial policy serving for the Sannong(Agriculrure, Rural Development and Peasant's Issues).As a policy with dual function of the financial system and mechanism for helping the poor, with its active promotion, which began to show the effects of policies, thus the phenomenon of insufficient stamina gradually and the effect discounting still exist. The risk of performance in public policy from the policy-making to policy implementation, policy end of the whole process, jot agricultural loan policy is no exception. About policy content design, the small agricultural credit policies on the amount and duration of the design has been unable to adapt to changes in the economic situation in rural areas and rural industries need to continually upgrade. At the same time, as China's economic development is uneven and small agricultural credit policy content lag, the regional economic development constraints can not be solved fundamental problems. About external environment, the major risk factors from the structural deficits of China's rural financial system and imperfection of rural development of the financial markets boring out of the planned economy, the small agricultural credit system faced with the implementation of policies ranging from the extent of Risk. Finally, the small agricultural credit policy bound by the financial services attributes, inevitably there are risk control issues of the policy's process.This paper base on characteristics and practice of China's small agricultural credit policy, by analyzing the interplays of small agricultural credit policy and domestic environment, to find out the policy risk of small agricultural credit policy in accordance with the risk assessment methods. On the basis of imperfectly competitive market theory and the local knowledge theory, it summary the unique policy risk of small agricultural credit system and make qualitative description. Take project risk management approach, from the risk factors for identifying, classifying, evaluation, control on the risk of small agricultural credit policy, there is a detailed analysis. In order to propose the new idea ,which the Government how to prevent the policy risks and promote the small agricultural credit policies play a role in supporting Sannong continuously.