Research Of Agriculture,Rural Areas And Farmers Credit Risk Management Of N Bank

For a long time,agriculture?rural areas and farmers credit business risk is high,less collateral,difficult management problems,lack of competition among financial institutions,with the deepening of agricultural supply side reforms,a series of "three agriculture" policy and the introduction of views,although in a certain range to solve some problems of three agricultural credit business risks arising.But because the rural credit business risk management of agriculture related financial institutions exist such problems,resulting in poor rural credit rate still high.Based research on credit risk management in agriculture at home and abroad on the current situation of N Bank for rural credit risk management analysis of N Bank for risk management of agriculture in recent years credit problems and causes in Pingluo County branch of the rural credit business case,further explains the rural credit risk management The Department is not perfect,poor risk management,IT support is not enough,the implementation of the system and the staff assessment is not in place and other issues exist.Through strengthening the concept of comprehensive risk management of credit business,to strengthen the control of all aspects of credit business,follow the national policy to accelerate product innovation,improve risk monitoring and early warning system,strengthen risk management assessment,put forward the improvement specific measures for the establishment of personnel training mechanism,to reduce the rural credit risk,improve the level of risk management of N Bank agriculture?rural areas and farmers credit business.