Study On Risk Management Of Rural Microcredit In Xiushui Rural Commercial Bank

Since the new century,China's rural areas began to run small household loans,which is an innovative Pratt & Whitney of the financial system arrangements.After ten years of development,gradually grow,to some extent alleviate the problem of rural residents financing difficulties,to support the "three rural" cause,building a new socialist countryside is of great significance.The supply of rural credit mainly includes rural credit cooperatives,postal savings banks and rural commercial banks.Due to many factors,these local financial institutions still have many problems in credit risk management,which has become a constraint to rural microcredit health Bottleneck of sustainable development.In order to solve this problem,this paper combs the relevant research literatures on rural microfinance risk management both at home and abroad.The first is to review and summarize the related literature and management theory,and provide theory for the later research.Based on the case study,this paper analyzes the present situation of risk management of Xiushui Rural Commercial Bank's micro-credit and finds out the main problems existing in the existing risk management;finally,The paper puts forward some suggestions on how to optimize the risk management of rural microfinance loans to farmers,and designs the relevant safeguard measures.Through this research,the main problems of risk management of Xiushui Agricultural Bank's micro-credit are found,the reasonable suggestions are put forward and extended to other rural financial institutions.In order to promote the healthy and sustainable development of microfinance in rural areas,it is necessary to strengthen the support of rural commercial banks in the cause of agriculture,rural areas and farmers in order to solve the problem of micro-credit risk management and provide universal solutions for rural commercial banks in the restructuring and transformation process.