Research On Loan Risk Management In Stone Carving Industry Of Q Rural Commercial Bank

As the main force of rural financial services in China,Rural commercial banks are the main financing channels for agriculture,rural areas and small and micro enterprises.Rural commercial banks shoulder the important task of providing financial services for rural areas and promoting rural economic development.Its healthy development plays an immeasurable role in stabilizing the rural economy and ensuring the coordinated and orderly operation of the society.Nowadays,agricultural firms everywhere are developing rapidly like bamboo shoots after a spring rain.In the process of development,the credit risks they face are especially prominent.In order to promote the development of the stone carving industry in Q County and solve the problems of difficult and expensive financing in the stone carving industryAs a pillar industry of Q County,the stone carving industry has an annual output value of several billion yuan,employing more than 30,000 people,and more than 1,000 stone carving production and operation units in the county,Q Rural Commercial Bank is the main financing channel for stone carving practitioners,However,due to the lack of effective mortgage collateralfor stone carving operators financing needs have not been effectively met,and the stone carving art industry has been the risk is relatively high,and the cost of financing is relatively high,The problem of financing and financing is always hindering the development of the stone carving industry the behavior of farmers and merchants promoted the development of the stone carving industry,solved the problem of financing difficulties and financing in the stone carving industry,and took the lead in launching a stone-carried mortgage loan.Since the implementation of the stone-carried mortgage loan,Q Rural Commercial Bank has successively distributed hundreds of millions of RMB loan funds to the stone-carving business operators,injecting a large amout of working capital into the stone carving industry,effectively revitalizing the stone carving assets and greatly promoting the development of the stone carving industry,However with the continuous development of the stone mortgage loan business,its problems have begun to be exposed,and the non-performing loan ratio has gradually increased,Due to coldness of the gift market and the collection market,the stone carving industry is in a downturn,resulting in the overdue increqase of stone carving loans,As a collateral for the guaranty of the stone,the collateral cannot be released due to unclear ownership difficulty in evaluating pricing,and difficulty in realizing the realization,the role of risk.the rise in the non-performing rate has seriously affected the asset quality of Q Rural Commercial Bank and hindered the development of other businessesThis article mainly studies the risk problems of the loan in the stone carving industry of Q agricultural firm from the perspective of mortgage guarantee through case analysis and then puts forward suggestions for the problems.The main contents of the paper include the following points.Firstly,by introducing themes to the overall business development of Q agricultural bank and the loan situation in businesses have developed rapidly,and the development of various businesses has greatly promoted the development of financing in the stone carving industry,Q agricultural bank introuduction of the stone carving mortgage loan business has injected a large amount of liquidityinto the stone carving industry,but due to the unclear ownership of stone carving collateral,difficult evaluation and difficult realization,the non-performing rate of stone carving loans has increased,then from the perspective of mortgage guarantee,the risk causes of stone carving loans are deeply expored,Finally,suggestions rae put forward for the analysis of risk causes.This article through systematic analysis,hope to help Q farmers to improve the stone mortgage loan business,improve risk management capabilities,and thus achieve better and faster development,and hope to develop similar art for other financial institutions,The product financing business provides a reference...