Analysis On Land Project Loan Risk Control In Agricultural Development Bank Of Yanbian

Land remediation related to the life of the peasants, agricultural production andrural development, with the development of agricultural production and farmers’living standards, land remediation work is imperative, land remediation work is tosolve the "three rural" issue heavy weight, current land remediation work has entereda new stage, the consequent land remediation project loan risk issues have beenexposed, in fact, the risk of project loans is an objective reality, all we can do is gothrough subjective efforts control it. Modern finance with the development of marketeconomy, the use of modern means and the acceleration of the process of financialinnovation in the service economy has become the modern financial department storeand make huge profits, has gradually evolved into a highly operational risks. Thus, toexpand their business with the prevention and control of risk has become an integralpart of the two main aspects of the operation and management of modern financialsector. Agricultural Development Bank and many financial industry, the rapidincrease in the process of establishing a modern bank financial products, the rapiddevelopment of business efficiency, financial services are becoming more modern andaccompanying operational risks, mainly to the gradual increase in the risk of loans,some even showed a worsening trend, the loan risk of accidents and cases haverepeatedly occurred in some places non-performing loan repayment by epigenetic.Analysis for many reasons, such as lack of credit, market changes, poor internalmanagement, implementation of the system is not in place, decisions deviation.Therefore, we must follow the operation and management of the inherent laws of the modern financial industry, effectively pay attention to the development of businessand risk control the balance of both, innovative financial products and innovationloan risk management, the Agricultural Development Bank land remediation projectloan risk control study has a very realistic and far-reaching significance.In this paper, a method of combining theoretical analysis and empirical analysis,Yanbian Agricultural Development Bank, discussed the project risk identification,assessment and control of land remediation project loan risk control process. In thispaper, the structure is divided into four chapters, the first chapter describes theresearch background, the significance of the study ideas and methods, leveldescription of the full text; basic concepts outlined in Chapter II of project risk, riskidentification, risk assessment and risk control definition and description of theclassified summary of project risks caused by substances and human factors, and thusdiscussed the main reason of Yanbian State Agricultural Development Bank landremediation project loans and lead to project risk. Project risk control covers from theproject risk identification, estimation, to deal with the whole process of evaluation tothe project risk is a qualitative evaluation to quantitative measure, from theunderstanding of risk to circumvent the whole process of risk and control risk;Chapter from land remediation design of loan risk indicators, specific security andbusiness process steps and risk control three aspects of land remediation projects,Yanbian Agricultural Development Bank loan risk control design; Chapter IVpresents the the loan evaluation of Yanbian Agricultural Development Bank landremediation projects measures, first of all, improve land remediation loan assessmentsystem design, including the establishment of the loan risk early warning system,fully revealed and the responsibility system, promote the construction of agriculturalfinancial policy legislation. Secondly, the establishment of a the loan assessmentmonitoring mechanism of the land remediation projects, including the risk of theloans to strengthen internal control and project monitoring session. Strengthen the innovation of the Agricultural Development Bank loan project risk monitoring.Finally, the establishment of the mechanism of coordination of relevant departments,including setting up an independent risk management organization, establish andimprove the R&D system, improve the Agricultural Development Bank and thecooperation mechanism to strengthen the bank’s internal credit team building.