Research On The Risk Of Rural Household Micro-credit From Bank A

Peasant’s micro-credit loans, as an important part of rural financial system, is a financial reform that serves the construction of new socialist countryside against the background of rural finance construction, and also a shared mission given by the authority for all the comical banks. It gives good financial supply for rural development,enhancing the level of farmer’s employment, leading to rural financial reform and creation.Peasant’s micro-credit loans are characterized for their simple procedures, fast, low thresholds, non guarantee requirement which meet the needs of the reality of the rural financial market and Peasant’s capital turnover. With the rapid development of farmer’s small loans, the risk also gradually appear, how to prevent farmers micro-credit "a put is chaos, a chaos died", has become a problem to be solved in. Because only appropriate prevention and control and deal with risks, small loans to sustainable healthy development of commercial Banks continue to launch small loans just also has more practical meaning.This article first summarizes the foreign commercial Banks in micro-finance risk management experience, and then points out the successful foreign experience to our country bank small loans risk management, and then in A bank, for example, analysis of the current situation of farmers small loans A bank risk, and then through the questionnaire survey way is pointed out that the cause of A bank of farmers small loans risk and A bank on the farmers small loans risk management problems. Finally, by establishing a risk assessment model, this paper analyses the key factors affecting the formation of farmers small loans risk, and then puts forward corresponding countermeasures.