The Research On Loan Risk Of Farmers In Rural Commercial Bank

At present because of our country commercial banks’ loan risk problems, compared to foreign commercial Banks in China, its non-performing loan ratio is relatively high, especially in the rural areas of rural commercial bank. Although from the rural credit cooperatives reform of the rural commercial bank has made great progress in the management and operation system, but at present a lot of bank non-performing loan ratio remains high, some of the peasant household loans have a higher risk of bank, and the reasons for the formation of loan risk mainly comes from two aspects of bank and non-bank, bank refers to the rural commercial bank itself in loan risk management aspects of the defect; Non-bank aspects mainly refers is not subject to control some can let bank to recover the loan. These factors including macroscopic factors and microcosmic factors, macro is not controllable factors, such as economic policy, market volatility, laws and regulations, etc., and micro factors is mainly refers to some fundamental aspects of the characteristics of the farmers and farmers behavior, such as age, gender, capital use, etc.This paper is based on the analysis of the risk of loans to farmers, on the basis of present situation and causes of the peasant household of rural commercial bank loan risk management policy recommendations are put forward. Based on farmers bank loan risk as the research object, using the data provided by the bank S city H branch and some of the domestic banking industry macro data, first introduced the basic situation of S branches, including the types of business and organizational structure, then analyzes the general situation of bank risk management mechanism, through the analysis of the case summary, S branch main causes of farmers’ loan risk of bank is the bank’s staff level of education, personnel’s risk consciousness and the system of internal control, credit management, etc.In farmer, based on the S branch of loans to farmers, according to the samples the income level of farmers to farmers into including three income levels, respectively, from the head of the household personal characteristics, family characteristics and credit capital USES three aspects to analysis the influence factors of peasant household defaults, selected the seven factors, by constructing binary logit model, analyses the seven factors of peasant household loans risk mode and significant or not, the result shows that the income level of farmers is different, its influence factors have different default, low-income households were the major influencing factors of default if workers, annual family income, and head of the household funds for loans; Middle-income households were the major influencing factors of farmers’default whether workers and USES of funds; High income of farmers in its default annual household income, householder age were the major influencing factors of these three factors, head of the household, whether to have a spouse, including funds for loans and whether these two factors in three rural income level of farmers, the default direction is consistent, the influence of loan funds for non life spending less the possibility of default; Migrant workers relative to the workers of peasant households are less likely to default; Higher income househblds in the older you get, the smaller the probability of default; For the influence of family income, low-income households with higher income households on the contrary, in low-income farmers, family income, the more the greater the probability of default, and high income households is just the opposite, this is mainly due to higher income households more tend to use money for higher risk projects, and the farmers themselves influenced by education level is low, the market control ability is limited, so easy to cause losses to the loan.Finally on the basis of the conclusion of this article, from the Angle of rural commercial bank, puts forward the following Suggestions:strengthen bank internal control management, improve the level of risk management; Intensify their efforts to introduce on the talent and improving of integration diathesis of the loan officer; To perfect the rural commercial bank credit management system, strengthen the supervision of credit behavior; To strengthen the tracking audit of funds for farmers; Perfect rural credit system construction, improve the credit consciousness of the farmers.