Research On Risk Control Of Microfinance In Jinan Rural Commercial Bank

The improvement in China’s rural financial deepening improvement under the background of Ji’nan rural commercial bank,conform to the trend of rural financial development,the successful completion of the joint-stock reform of rural financial institutions has become the independent legal person qualification,with a new look to the area of Ji’nan economic and social development,to provide more and better financial services for farmers.Microfinance is Ji’nan rural commercial bank to promote rural development,solve the loan difficulties,a high social value and commercial value of the financial service product optimization of business structure of commercial banks in rural areas has been launched,precise poverty,promote employment,played a huge role in rural services and other aspects,has become one of the main Ji’nan rural commercial bank the content of business.However,microfinance itself has the characteristics of anti risk ability,information asymmetry,management is not in place,leading to the presence of high potential risk of default,and with the Ji’nan rural commercial bank microfinance business continues to expand the scale,gradually exposed the problems in micro credit risk control of the bank,the ratio of non-performing loans increased year by year,a serious impact on the bank’s profit margins.Therefore,how to vigorously develop the rural micro credit,serve the "three rural",and strengthen the control of loan risk,has become an important part of the healthy and sustainable development of rural commercial banks in Ji’nan.In this paper,based on the realities of Ji’nan rural commercial bank small business loans,according to the theory of micro credit risk control,analyzes the problem and reason analysis of Ji’nan agricultural firm control in the presence of small loans,and puts forward some suggestions to strengthen risk control.This paper is divided into six chapters,the first chapter is the introduction,describes the background,significance and research status;the second chapter of microfinance risk control related theory,elaborated the microfinance and related concepts,the theory of risk control;the third chapter present situation and risk analysis of Ji’nan rural commercial microfinance,introduces the business scale and management situation of small Ji’nan rural commercial bank loans;analysis of the micro credit risk control problems and causes of the fourth chapter,mainly study the current problems existing in the risk control and the main reason;the fifth chapter perfect Ji’nan rural commercial microfinance risk control suggestions are put forward to strengthen risk control countermeasures and suggestions;the sixth chapter is the conclusion of this.Study on the overall elaboration,summarized.