Research On Agricultural Loan Risk Management Of Yinquan Rural Commercial Bank

Along with the development of rural economy in our country, vast rural areas a gradual increase in demand for money, if just rely on farmers limited its capital accumulation and the local government financial aid, money supply is still a big gap. due to the rural areas has not yet set up a sound financial system, so the bank loan is the main way to obtain funds. In recent years, a large part of commercial bank has pulled out of the rural financial market, rural commercial banks under the support of rural economic development. But our country rural commercial bank in the process of promoting agricultural credit appeared many problems, especially in agricultural loan risk management has many shortcomings. Wells of the research purpose of this paper is based on the analysis of innovative bank agricultural loan risk management on the basis of the basic situation, find out existing problems and causes, and accordingly puts forward relevant countermeasures and suggestions, to ensure the small spring bank smooth operation and sustainable development of agricultural loans.The more reasonable to discuss problems, this paper is divided into six parts. The first part is the introduction part, focuses on the research background and significance, research methods and research status at home and abroad. The second part is the overview of agricultural risk management, this chapter is mainly from the bank to introduce innovative spring agricultural loan basic situation, introduces the current business development and risk management, and summarize the methods of agricultural credit risk management. The third part for the analysis of problems and their causes, causes part mainly from small stream bank agricultural non-performing loans (rate), agricultural lending initiative, agricultural loan risk and income, agricultural non-performing loans and customer management and responsibility for a couple of perspective and discuss its problems in the agricultural credit risk management; Cause analysis part mainly for the cause of the problems arising from the agricultural credit risk management are analyzed. Fourth parts for agricultural customer credit rating, this part mainly analyzed the innovative springs bank current agricultural customer credit rating system present situation and existing problems, and on this basis, the introduction of Logistic probability model and customization model scoring method, in order to build more reasonable for small spring bank of agricultural customer credit evaluation management system. The fifth part to solve the problem, this chapter is mainly based on the analysis of the problems in the last chapter put forward countermeasures. The sixth is divided into the last part, mainly summarized in this paper, the main conclusion and prospect.Way to combine theory with practice, this paper in the know' spring bank agricultural loans on the basis of the basic situation, the agricultural loan risk management are studied, and thought: at present, the small spring bank of agriculture loan risk management of the agricultural high proportion of non-performing loans, agricultural loans risk and income does not match, agricultural lending initiative is not strong, agricultural non-performing loans and customer management does not reach the designated position, and agricultural problems such as lack of non-performing loans responsibility; In these problems mainly by agricultural loan risk management awareness is not correct, poor risk management system and the risk management system to be perfect, lack of the rural credit system construction and the talent team construction and business needs to adapt to the factors such as; And think' spring bank agricultural customer credit management system should be based on the current, introducing the Logistic model, a more accurate assessment of the customer credit status, and as the basis of whether loans, reduce agricultural loan risk.For the small spring bank problems of agricultural risk management, at the end of the paper puts forward some pertinent Suggestions. Put forward to strengthen agricultural data statistical analysis, combination of internal and external rating, to strengthen the understanding of risk management, strengthen risk management system construction, improve the risk management techniques and methods, to strengthen the supervision of the risk management measures.