Research On Risk Control Of Family Farm Project Financing

After the eighteen big scale,the main body of the new type farm management such as family farms began to develop rapidly and played an increasingly important role in the modernization of agriculture in China.At the beginning of 2013,the State Council put forward some suggestions on the development of modern agriculture and the vitality of rural development,and proposed to promote the transformation of traditional agricultural operation mode to new agricultural management mode,develop a variety of forms of agricultural management model,and further promote the construction of rural economy in China.With the development of rural economy and the inclination of national policies to rural areas,the risk of agricultural credit has become a risk that many financial institutions have to face in operation.To manage and control the credit risk of "three rural" to the greatest extent,and to ensure the security of the agricultural credit funds,has gradually become a huge challenge that the agricultural financial institutions have to face.With the continuous progress of China’s financial marketization,various financial institutions in China have made great achievements in credit risk control,preventing and resolving credit risks,and also provide useful reference for the agricultural financial institutions to control the risk of agricultural credit.To strengthen the effective screening and prevention of risk,to minimize the credit risk involved in the "three rural",to ensure the security,profitability and profitability of credit funds is the most important thing in the process of credit in the current financial institutions of agriculture.Based on the third party’s perspective,this paper focuses on the financial institutions’ research on the risk control of family project financing,and provides effective suggestions for the risk control of family farm project financing through case studies.First,through the study of relevant literature,this paper establishes the feasibility and overall structure of the paper,and expounds the definition and definition of family farm.Secondly,it analyzes the risk control of the family farm projectfinancing in B County Rural Credit Association,and combines the specific credit cases to find the stroke of the credit process stroke.Finally,it puts forward relevant suggestions from financial institutions and national policy level.This paper argues that improving the risk control process of family farm project financing,strengthening the risk control system,improving the quality of the credit service personnel,improving the financing guarantee system of the family farm project,and establishing the market of the rural property rights transaction will help the financial institutions to control the risk of the loan of the family farm projects.