Study On TY Rural Commercial Bank Farmers Microcredit Risk Control

In recent years,with the improvement of China's financial system reform is gradually,but financial support for the countryside has long been less powerful,The main services of existing commercial Banks tend to be big companies with strength,but for the vast majority of farmers occupy the population of our country,the financial demand has not yet been satisfied.The relevant departments of our government have introduced some measures to solve the problem of agriculture and agriculture,Including small and medium-sized financial institutions to support the new rural forward steadily,and they become the main force of "service to agriculture",and encourage commercial Banks to promote the peasant household microcredit business to improve the standard of peasants' lives.Rural commercial Banks are the largest and largest rural financial institutions in rural areas,the support farmers increase their income and narrowing the gap between urban and rural areas play an important role,It has played an important role in supporting the increase of farmers' production and increasing the gap between urban and rural areas,but the rural commercial Banks also face many problems and challenges while providing greater convenience for farmers,These challenges not only affect their own development,but also affect the healthy development of the rural financial system,therefore,it is of great realistic significance to improve the management of microcredit risk control of rural commercial Banks.Based on the working practice,from the perspective of TY rural commercial bank,with the five grade classification method,fully analyze the risks and causes of small loans to farmers,the scientific evaluation on rural microfinance risk status,to improve the risk control ability of farmers small loan business in TY rural commercial bank,and analyzes the bottleneck problems affecting the development of rural financial institutions,and provides the feasible countermeasures for the development of other financial institutions in rural areas.First of all,through the domestic and foreign farmers small loans and risk control related literature to sort out,and systematic analysis of the development of small loans to farmers,based on the financial intermediary theory,rural financial development theory,the theory of vulnerable groups and poverty theory,information asymmetry theory and the theory of credit rationing theory,and the theory of small loans and risk associated,to Build the theoretical framework for this paper.Secondly,carefully combing the development process of China's rural microfinance,And analyzes the status of small loans to farmers,including farmers microcredit object structure,variety structure,etc.,on the basis of focusing on TY rural commercial bank credit default risk faced by farmers microcredit,internal operation and external environment risk analysis,and through the empirical analysis to reveal the heterogeneity of farmers' individual characteristics of microfinance funds risk,from the overall grasp TY farmers small loans of commercial bank risk control in rural areas are insufficient.Finally,based on the theory and empirical analysis of this paper,the countermeasures and measures for the risk control of small-scale farmers are put forward,specifically including: to improve the construction of the credit system.To strengthen farmers' credit awareness,improve the security mechanism,improve the loan funds management,improve the quality of the credit manager of the customer service system and build a diversified market to prevent various risks.