Jiangxi Province Agricultural Bank Microfinance Business Y Risk Control Research

Experts and scholars at home and abroad have gone deep into the studies of agricultural microfinance in recent years. They not only conducted research on the supply and demand of agricultural microfinance, but also put forward advice on the betterment of the risk control of agricultural microfinance in the current financial system. The definition of risk control has become increasingly important for commercial banks. To lower the risk level to the minimum, banks need to adopt different risk control techniques based on the extent and type of the risk. Meanwhile, different risk management plans should be made in order that losses are in the range of the bank.Our country has given high priority to the development of the agriculture. Bank of Y in Jiangxi Province, a commercial bank facing rural areas, has been dedicating itself to developing rural finance. This thesis, based on the case of Bank of Y in Jiangxi Province, makes deep analysis on the issues of risk control using methods including case analysis, theories analysis and materials analysis. Besides, in combination with the relevant theories of credit business risks, this thesis summarizes the fundamental causes of the problems based on the current situation of the agricultural microfinance of our country. After that, several pieces of advice aiming at strengthen and improve the risk control of agricultural microfinance will be put forward. In addition, this thesis gives deep analysis on the status quo and the existing problems of agricultural microfinance of commercial banks based on the previous research and the policies of our country.At last, this thesis proposes corresponding strategies and advice about the risk control of agricultural microfinance of the Bank of Y in Jiangxi Province.