Research On The Management Of Farmer's Non-performing Loans Of Banks In Heihe City

Agricultural credit supply is the core of rural finance,which is of great significance to support and promote the development of three rural issues---agriculture,rural areas and farmers.Farmer loan business,as a general arrangement of innovation,effectively solves the financing difficulties of the farmer,and playing an extremely important role in new rural construction.However,the Heihe farmer loans in practice are mostly based on the credit of the lender,lack of necessary collateral,is a high-risk loan varieties,agriculture in the rank of traditional industries,the mechanization of large-scale production is not universal,traditional peasant economy dominated by the state's agricultural production,are highly uncertain risk industry.In addition,for the imperfect management system of banking and the lack of employees' quality,the management level of farmers' non-performing loans is still lagging behind.This thesis based on the current research about non-performing loans home and abroad,this paper takes four state-owned commercial banks,postal savings bank Longjiang bank and agricultural cooperative in Heihe as the research object.Through scientific methodology of field investigation,literature reading,qualitative and quantitative analysis,this paper first analyzes the current situation of farmer loan business and non-performing in Heihe.Secondly,it analyzes the causes of non-performing from macro environment and bank respectively,and then points out the insufficiency of insurance mechanism,loan guarantee,industry environment and credit environment in macro environment,as well as the internal control in the bank management is not perfect,clearing and disposal means is not comprehensive,the lack of quantitative assessment system,the shortage of human resources and so on.Finally,the paper presents the suggestion as how to optimize and promote farmers' non-performing loans management in Heihe banks,along with a related external security policy.The innovation of this paper is to take the banking financial institution of Heihe as the object of study,rather than from an institutional point of view,which is beneficial to highlighting the overall situation with the region actual.Through this study,it will be more clear to understand the main defects offarmers' non-performing loans management in Heihe banks,and a systematic and universal solution will be given to further strengthen management.Likewise,it will be a beneficial reference to promote the sustainable development of farmer loan business and to further strengthen the role of financial support for agriculture.