Analysis Of Risk Management Of Rural Micrcredit In Rural Comercial Bank

As we all know, it is important for the Rural Commercial Bank in the rural financial. Rural Commercial Bank, who takes plenty of social responsibilities, is indispensable for development of rural financial. As development of economics goes by, the finance risk of Rural Commercial Bank is gradually exposing with loan demand increasing. Therefore, it is not only a necessity to improve the risk management of Rural Commercial Bank, but also a necessity to promote optimization to improve rural financial environment.This thesis introduces the rural microcredit of Yibin Nanxi Rural Commercial Bank. The first part of this thesis is overview of microcredit and risk management both at home and abroad, including asymmetric information theory, credit rationing theory, and comprehensive risk management theory. All those theories lay the foundation for risk of rural microcredit analysis. The second part of the thesis introduces basic status of risk management of Yibin Nanxi Rural Commercial Bank, analyses the problems in the loan risk management in Yibin Nanxi Rural Commercial Bank. In the third part of the thesis, the Binary Logistic Analysis is used to certificate the factors which affect repayment of farmers, on this basis to define the effect of those factors. Through the empirical analysis, the thesis gives a depiction on those factors which may make famers break the contract. Finally, the thesis makes some pieces of advice, which may make benefits for future reference of decision-making level of Yibin Nanxi Rural Commercial Bank.