Research Risk Management Of Farmer’s Project Credit In GuangXi Branch ABC

Farmers’micro credit project as a signature product of service to "San Nong", it is the effective financing channel to the farmers and low income groups and made great contribution to the sustainable development of the rural economy and improvement of farmers’living standard, it is the most important component of rural finance in China. With the rapid development of farmers’micro credit project, the farmer credit’s risk has gradually appeared, and how to prevent farmers’ micro loans "high risk, difficult to manage," has become an urgent problem. Therefore, only through the identification and evaluation of farmer credit’s main risks and adopt specific risk control mcasuresm, we can ensure the sustainable development of the microfinance loan businessThis paper takes the microfinance projects of Guangxi Branch of ABC as an example to analysis their current situation in-depth, getting the major issues and challenges which we are faced at this stage. Using the Delphi method to identify the credit risk, management risk, market risk, operational risks, natural seven risk, legal risk and interest rate risk. Combined with the probability of the risk occurring and the impact, using risk maps combined with a five-tier scale method for all types of risk assessment, the results show credit for high risk, risk management and operational risk as high risk, natural risks and market risks as medium risk, legal risk and interest rate risk as low risk. According to risk evaluation of results, this paper presents a the targeted risk response measures:improving the quality of pre-loan investigation, raising the level of overdue loans to recover, perfecting mechanism of pressure drop in bad loan collection, Strengthening loan resumption of loan management and innovation and improving Farmers’ small scale credit risk of loan guarantee system and measures for avoiding and Digest, Strengthening the internal control of the financial institution itself, strengthening human security and strengthening farmers’small scale loan management and other measures to control risk management, Taken to strengthen control over the framer’ micro credit project processes, standardize business development mode and strengthen the internal audit and serious irregularities, avoiding and managing operational risks; Increase the supply of insurance, establish and improve the risk-reward mechanisms, provide timely and accurate market information and establish a compensation mechanism for agricultural products of agricultural products, dispersion and natural risk and market risk transfer; Greater emphasis on legal research, legal awareness, strengthening the forecasts of future changes in interest rates, avoidance and transfer legal risk and interest rate risk. And by building the monitoring and control chart of farmers’micro credit to monitor the risks effectively.Basing on the results of previous studies, we use qualitative and quantitative analysis methods to analysis the risks of microfinance and this has a certain practical significance and reference value for the Bank’s credit risk management...