| In recent years, rural banks need to provide a series of financial services for local farmers in order to carry out agricultural better drive the local rural economy and faster development. China Banking Regulatory Commission pointed out that the rural bank loans should be in the supply of rural households, agricultural and rural economic development needs for the premise, therefore, banks of the village and town should pay more attention to risk management and risk prevention of loan projects. After all, banks of the village and town are characterized by the unique market positioning, the customer also has unique risk, and these are important factors, which leads to rural banks in loans may encounter the potential risk. In addition, banks of village and town belong to the new type of rural financial institutions, risk awareness is poor, risk prevention mechanism imperfect, banks of village and town are difficult to maintain a sustainable development mode of operation because of these defects. Therefore, the research on how to improve rural bank loan business risk prevention is imperative.In this study, we can start from the background of rural bank loan project risk, after the analysis of the purpose and the significance of the research, it is concluded that the related project loan risk management and the village bank’s theoretical basis. Based on risk status of Jinzhou Beizhen Yimin rural bank loan project, we deeply analysis the existing problems and the reasons for the formation, to estimate the needs of rural banks of rural areas development loan business, furthermore, to summarize the exist potential risks of Jinzhou Beizhen Yimin rural bank loan project in rural areas to open exhibition business loans. In terms of research methods, the paper uses a series of processes and indicator analysis and evaluation village bank loan business potential risks, combined with the actual situation of Jinzhou Beizhen Yimin rural banks, to establish rural bank loans for project risk evaluation index system and evaluation model by fuzzy comprehensive evaluation method. Finally, considering the characteristics of the Jinzhou Beizhen Yimin rural bank itself, the research provides protection measures for project loan risk management, including scheme, technology and system safeguard measures, we hope that it can help control and reduce the risk of rural bank loans for the project, while contributing to the operating efficiency of the effective promotion of bank funds. |
