A Research On The Risk Prevention Of Farmers’ Three Rights Mortgage Loan Of Commercial Bank

The farmers’"three rights" include the forest right, land use right and landcontract and management rights in three aspects. Long-term since, the "three rights"merely as a maintain farmer living in the form of existence, and whole of resourceutilization rate is not very high." Three rights" trading was defined as the" threerights" as collateral to the banks, which refer to agricultural parts, to apply for smallloans, to solve farming, processing, planting and self-employed in many aspects suchas financing needs, increasing farmer financing means, expand agricultural inputs atthe same time, and can widen the farmer ’s financial income, but also from the sideto promote the city capital into rural areas, the development of agriculturalproduction the favorable trend, become the broken solution "Three Rural Issues" thefinancing problem, advance a farmer to become rich and urban and ruraldevelopment as a whole the serious train of thought.However, in the current international financial crisis just calm down and ourcountry real estate industry be just unfolding under the dual background, the "threerights" mortgage transaction high investment rate of return to commercial banks andother financial institutions, its attractiveness is potential. As the ceaseless investmentof capital, the risk resistance ability and operating a smaller commercial banks, therisk awareness, control and prevention is essential. But, land relative to other generalcollateral, its risk quota will increase greatly, for example land special geographyposition, assessment, property and development risk.In rural areas for the" three rights" mortgage loan business risk research hasalways been the financial academia at home and abroad as well as the focus ofeconomic research, this paper mainly from the qualitative and quantitative twoaspects for the current" three rights" mortgage transaction risk and the causes areanalyzed, with a Bayesian network as the research basis, with nine rural commercialbank as the reality basis, analysis and integration in the country" three rights" mortgage transactions in the presence of the main risk and reason, and summarizedas commercial banks in three farmers trading in some feasible strategies, including:1． to establish a market based small agriculture loans interest rate system.2． toissue small agriculture loans classification.3． to optimize small agricultural loansmanagement quality.4． to increase policy support.4． to strengthen theconstruction of rural credit system.6． to establish high-quality personnel, toestablish incentive mechanism build of.7． to establish small agriculture loans riskcompensation and safeguard mechanism, designed for commercial bank moreeffectively into the rural financing market to provide development opportunities.