Research On Commercial Loan Risk Management And Control Measures Of ABDC

The agricultural Development Bank of China’s agricultural policy banks inChina, was founded in1994, mainly engaged in grain supply of credit funds, as wellas the comprehensive agricultural development, poverty alleviation loans business. In1998May, the State Council for the reform of the grain circulation system, theadjustment of agricultural issue credit business, let the agricultural release for grainfunds supply and management, to be closed management, and other business to theother bank management. But with the reform of the grain market reform, to2001, thegrain market gradually opening up, farming issue for grain closed funds managementis obviously the policy financial institutions waste. Therefore, according to theagricultural release application, approval of CBRC, in2003the State Council agreedto carry out agricultural issue of grain purchasing funds proprietary business,independent accounting, self financing. After2005, farming issue a proprietarybusiness began to expand, and according to the progress of grain market, has started aquasi policy loans to buy food and other business. However, it is due to run these newproprietary business, formed a larger risks, after2008and after3years, the loan riskis an outbreak of momentum. A cadre as agricultural issue, it is in the face of this loanrisk status and find a solution, in large area control loan risk, put forward controlmeasures and methods, to achieve the long-term healthy development of agriculturalissue.This article adopts the research method of system. The case of commercial loanrisk occurs mainly in the Agricultural Development Bank of China branch as theresearch object, through the risk facts, case, analyzes the reasons, and compared withthe analysis of risk sources, analysis and Research on the countermeasures to controlthe loan risk, put forward a comprehensive system of control measures and methods.The research content of this thesis consists of four chapters.In the part of introduction of farming issue introduces the background, origin and thus leads to a commercial loan, and self after commercial loan risk andconsequences, and puts forward the research content of this article. Based on theanalysis of risk and the causes of loan business loan risks, from the general reason,policy and loans varieties improper design reasons, and based on its own internalmanagement reasons in three aspects, angle, reveals the genesis of different levels ofcredit risk, core description of a problem, namely, the poor external environment is toagricultural development bank loan risk caused the risk occurs possibility, necessity isnot equal to. The key to control risk and the number of frequency is weakening theinternal management; the agricultural issue of commercial loan risk is not very goodcontrol of the theme, providing the main theoretical support for countermeasureresearch.Control measures for risk, the author studied the countermeasure of credit riskcontrol from three aspects. One is the scientific positioning plan loans varieties andappraisal system, two is to strengthen the key link of loan risk management practices,three is a suggestion to establish strict management of the scientific enterprise culture.Through these three aspects, further systematically put forward countermeasures tocontrol risk of loan of commercial agricultural issue, this is also the author of researchfor many years engaged in agricultural credit, view independent.At the same time, the author also proposed should also establish loan risk controlmeasures of agricultural issue, to realize the loan risk management objectives, whichreached the loan risk control countermeasures of agricultural circulation system of. Aclear view of this chapter puts forward: the loan risk control measures andmanagement measures, in all kinds of direct, control is not enough to realize the loanrisk, also should establish a risk early warning and monitoring after the advancedisposal system. Because the implementation of loan management strict also resistthe loan risk of enterprises can not occur, as if there is no strict risk responsibilitysystem, and all preventive risk control measures are meaningless. Therefore, theauthor proposes the establishment of enterprise loan risk monitoring managementsystem, establish the real control system, reflecting the quality of loans that banksserious credit risk early warning management system, in order to protect theeffectiveness of risk control measures. This paper is also the author of26years engaged in financial work in rural areas,18years of research work of ADBC credit.