Agricultural Bank Of Farmers Microcredit Business Model And Risk Control Research

In2012,the Eleventh CPPCC National Committee of the fifth session of the Eleventh National People’s Congress and fifth times on the conference, agriculture and farming has become a hot topic again. Among them, much as the representative of our country is put forward, the development of rural financial fiscal means more, apply financial measure is little, the contradiction between demand and supply, financial institutions" and farming the phenomenon" is more serious, advance and perfect rural financial institution reform, to provide small loans for farmers working brook no delay.Agricultural Bank of China since2007, undertake share-holding system is transformed, the state once again will be a service "3farming (three problems about countryside,agriculture and farmers)" the responsibility and the mission entrusted to the Agricultural Bank, agricultural bank is positioned as a" three rural issues, service of county" large state-owned holding commercial banks. Therefore, since2007, the Agricultural Bank of constant exploration and innovation service"3farming" the path and products, including small loans for farmers to become agricultural bank service "3farming" the characteristics of products and the mark sex project, one can do, and achieve sustainable development, is the Agricultural Bank whether implementation is "3farming" the long-term service embodiment, but also agricultural bank long-term survival and the development foundation. The NPC and CPPCC, China Agricultural Bank Chairman chairman Jiang Chaoliang said, bank to go to all lengths to serve "3farming", improve service levels, business risk and cost control ability, promote prefectural region branch of the market competitiveness, the consolidation in the county the leading status of the bank.Based on the summary of domestic household microfinance development on the basis of experience, dedicated to the study of agriculture bank loans to small farmers of commercially sustainable development problem. This paper is divided into six chapters, the first chapter through to credit the theory foundation, our country peasant household microfinance development course, development and current situation made Baconian analysis, proposed that our country fanner is small credit the main problem that exists in development; the second chapter of the Agricultural Bank of China loans to small farmers basic policy outlined; third chapter is the analysis of small farmers credit risk control of financial institutions, development farmer loan feasibility study; the fourth chapter in the risk control on the basis of the research, put forward innovation guarantee mode, and through the land mortgage and multi-family UNPROFOR was studied as an example; the fifth chapter to the agricultural Bank of Nanjing as an example of the small farmers credit social performance evaluation, put forward a new mode of micro-credit has good social performance; the sixth chapter summarizes, hope that experts and scholars continue to attach importance to study of farmers’ loan guarantee way, and puts forward the related proposal.