The Research On The Risk Management Of The Farmers’Micro-credit Loans In XH County Rural Credit Cooperatives

Micro-credit loans is proposed for the first time by Bangladesh Chittagong University economist Muhammad Yunus in the1960s.It is a kind of small-scale financial service whose original purpose is to eliminate poverty and development of agricultural production. Its service objects are the urban and rural low-income groups. In1993, China introduced the Grameen Bank (GB) microfinance mode. From setting up the original economic cooperatives for poverty alleviation to establishing the comprehensive rural credit cooperatives as a formal financial institution making microcredit loans, the farmers of micro-credit loans in our country has achieved rapid development. At the same time, it has played a huge role in supporting the vulnerable groups and the development of the "three rural", realizing the harmonious society construction. However, with the development of the business and the promotion, the present situation of the risk management of the micro-credit loans is not optimistic. Risk management has seriously hindered the sustainable development of the business. How to use the scientific management methods to evade these risks becomes a problem to be solved.This paper mainly researches on the risk management of the rural credit cooperatives farmers micro-credit loans in XH county. In view of the problems found during the research, it analyzes and puts forward the corresponding countermeasures, then provides the references for ZK municipal district rural credit cooperatives to strengthen the management of small farmers credit loan business. Firstly, the article elaborates the research background and meaning of the risk management of farmers micro-credit loans in XH county rural credit cooperatives microfinance, and puts forward the main research contents, research ideas and literature review, and summarizes the anticipated goal of the paper and innovations. Secondly, on the basis of field investigation of XH county rural credit cooperatives, mastering the first-hand small farmers credit data and cases and combining with the rural credit cooperatives farmers microcredit loans business processes, the paper makes an in-depth analysis of the present situation of the business to deal with. This part gets the idea that the small farmers credit risk management problems are the main reasons of shrinking in farmers microcredit loans business. Thirdly, according to the survey data and cases, combining with the actual situation of XH county rural credit cooperatives, this article divides the risks of the business into the natural risk, market risk, credit risk, operational risk, liquidity risk and other risks, then makes a detailed analysis of the causes of formation of the risk of every aspect. At last, in view of the above analysis of the main risk factors, in combination with the practical situation of XH county rural credit cooperatives and XH county rural credit environment, economic environment, the article puts forward the corresponding policy recommendations of risk management...