The Research On The Risk Control Of Small Loans In Rural Commercial Bank Of Heyuan City

Small loans introduced into China since the1970s, used to help the rural poor throughloan to realize their own businesses, to improve the lives of the poor situation, promote thedevelopment of rural economy has enormous positive role. Small loans can be said to be theinnovation of financial institutions, mainly in view of the poor population to provide afinancial service, has the loan amount, short cycle, low interest rates are less, now most of therural commercial bank opened the small loans business, aims to help the rural poor people toget rich together. But because of poor rural credit environment, the existence of the farmers’credit degree is generally low, make the rural commercial bank easy to encounter various risksin the process of small loans, to a large extent hindered the development of the ruralcommercial bank small loans business, it is necessary to carry out special study for thisproblem, promote the health of the rural commercial bank small loans to sustainabledevelopment.This article around the county rural small loan business of commercial Banks, to heyuanrural commercial bank microfinance case as an example, the integrated use of methods ofquantitative analysis and qualitative analysis, analysis and prediction of microfinance in allsorts of risks, and then put forward the coping strategies. This article first introduced thedomestic and foreign research achievements about microfinance, and risk control, andexpounds the related theory of microfinance specific knowledge, and then analyzes thedevelopment status quo of rural commercial bank in our country, and combining themicrofinance of rural commercial bank as a case for in-depth discussion and analysis, systemanalysis, game model and hierarchical analysis method comprehensive analysis of bank riskmay encounter in the process of microfinance, through the risk identification and evaluationsystem, combined with the actual situation proposed targeted countermeasures. Due to theparticularity of microfinance and rural commercial bank management level limit, whendealing with the risk of microfinance, should the coalition government, financial regulatorsand strengthen the external monitoring, strengthening the internal control mechanism, frominside to outside of the control system, at the same time also should begin from the auxiliaryrural commercial bank in terms of financial policy, laws and regulations against credit risk, tocomprehensively enhance the small rural commercial bank credit risk control.