Risks Management Study On Peasant Microfinance Of Agriculture Bank Of Heilongjiang Province

At the beginning of2007,the national finance workshop will be clear will face"three agriculture"to take Agricultural bank share reform going on the market the most important principle.After the share reform Agricultural bank take the outstanding large-scale going on the market bank as the development guidance, proposed the share reform does not change the service "three agriculture"the direction,the remanufacture not to change the service"three agriculture" the goal,going on the market not to change the service "three agriculture" dynamics developmental strategy localization.The peasant household jot credit finance demand has the amount to be small,the frequency is high,the time is anxious,the risk major characteristic,obvious is different in urban individual service or the legal person loans the customer. Therefore the development peasant household jot credit, whether does the active control risk, become the examination Agricultural bank to serve "three agriculture" the commercial operation, the sustainable development important content and the main measurable,is faces"three agriculture",realizes does superiorly, does thin, makes the reality"three agriculture"the financial.This article first explains from the introduction related peasant microfinance related connotation and the rationale embarks,elaborates peasant microfinance definition,pattern, practice and so on conceptive explicitly the questions, as well as peasant microfinance main risk and manifestation;Next briefed the Heilongjiang Province Agricultural bank peasant microfinance present situation and the current existence question. In the present existence’s question and the origin elaboration part, proposed according to the actual situation in the Heilongjiang Province Agricultural bank peasant microfinance risk management has a series of phenomena, like the market localization and the development targets were not very defined,the service pattern obviously to be still unitary, the drive restraint mechanism with difficulty standard and carry out, in the risk management pressure short-term to alleviate,the resources deployment not to arrive with difficulty and so on aspects.