Loan Risk Management Study On Heilongjiang Agriculture

Agricultural credit risk in banking operations has become a new risk species. Agricultural credit problems has never been as urgent as the top priority of the party and the country; to the agricultural credit society as a whole has never been so concerned about as it is today.From the bank point of view, the high-risk nature of agricultural credit and financial institutions contradicts the requirements of enterprise management, affecting the investment credit to agriculture. From the borrowers point of view, lines of credit restrictions, credit procedures, red tape made it difficult to credit. Therefore, Heilongjiang agricultural credit in the high-risk borrowers and lenders alike from the point of view, have greatly hindered the development of agricultural credit, but also affected the replenishment agricultural development, therefore, guard against and defuse Heilongjiang Agricultural credit risk imminent.Expounded the importance of agriculture from the start, combined with China's current conditions, the whole country support "three rural" construction, the introduction of the agricultural economy and agricultural credit demand relationships, indicating the needs of the agricultural credit market supply and demand characteristics and contradictions, then the type of risks the introduction of the agricultural credit risk analysis, the focus fell on top of agricultural credit risk management, in order to effectively prevent Heilongjiang Agricultural credit risk, focus on building early warning system of agricultural credit risk, and then on national policies, rural institutions, banks internal control, focus on such aspects as the quality of personnel described Heilongjiang Agricultural credit risk early warning system to run security.