Research On Risk Management Of Village Bank Loans Project

Village bank is set up in a rural area of the main for local farmers, agriculture and rural economic development to provide financial services of a new type of rural financial institutions. Banking regulatory commission stressed that town Banks to issue loans should first fully meet in the county of farmer, agriculture and rural economic development needs, therefore, loan project risk prevention is town bank effective risk management important parts. Due to the town of market orientation uniqueness and bank customer group unique risk characteristics, town of loan business bank also may have potential risks. In addition, the town bank is the new type of rural financial institutions, its risk consciousness and risk prevention mechanism is not sound, this will make town Banks’ operation and sustainable development are under threat, so, for town bank loans business risk prevention research is very necessary.About town bank loan project risk management research, first from town bank loan project risk on the research background, through analyzing the purpose and meaning, leads to loan project risk management and villages of bank related theory, based on the town bank loan project risk development present situation, the forecast in rural areas to develop town bank loan business demand, sums up the town bank in rural areas to develop the potential risk of existing loan business. Then through a series of process and index for bank loan business potential villages risk identification and evaluation, and according to the actual situation of the town bank set up for the bank’s risk villages evaluation index system. Finally, combined with the characteristics of village bank, put forward the risk of the loan items management measures, from the internal control system of specific can set up perfect, risk culture popularization, the improvement of the quality of employees, development personalized financial products and perfect information system five villages to enhance the bank loan project risk management ability. Finally, to be speeded embellish town bank as an example, born to verify the feasibility of evaluation index system, in order to reduce the town the loan to the bank project risk, improve the efficiency of bank funds provide a reference.