The Study Of Farmer Credit Risk Management In WG Rural Credit Cooperative Union

Rural development has been an important role in China's economic,recently,the central policy documents has been on the top priority to solving the three issues.How better to let farmers increase their incomes become a major problem for agricultural development,and lack of funds is the main shortage in agriculture development,farmers do not have enough financial support,production and operation will be lack of motivation,lack of energy in rural markets,thereby Agriculture development has also been greatly affected.Thirteen Five central planning made an important deployment in the New agricultural and rural work,speed up to build a sustainable rural financial service system.Develop the rural inclusive finance,and increase long-term "three rural" credit efforts to put a sound risk prevention mechanism to resolve,increase the "three rural" loans efforts to provide an effective guarantee of funds for farmers production and management.WG Rural Credit Cooperative Union respond positively to the call of farmer credit and has many years of experience and good results in farmer credit.WG Rural Credit Cooperative Union have been an important role in local agricultural deployment and rural economic development.But there are still many problems in farmer credit risk management in WG RCCU,farmer credit risk is still very negative problem.In this context,we use some different research methods through microfinance risk WG RCCU study found that risk management issues,and put forward suggestions for the development of rural credit cooperatives microfinance WG has important significance,but also provides a reference for risk experience elsewhere RCCs farmer credit control.Firstly,the theory of empirical theory and the concept of farmer credit abroad farmer credit risk management conducted and summarized,in-depth analysis of the development,and risk management in microfinance households may refer to the experience of the method and find suitable WG RCCU prevent farmer credit risk approach.Secondly,by understanding the development process of WG RCCU,rural credit cooperatives WG current situation farmers small loans,specific analysis of specific areas and process farmers small loans,loan approval investigate the actual situation of farmers,agricultural analysis WG Features credit cooperatives of farmers small loans,provide the foundation for research behind microfinance risk control.Again,by analyzing the WG farmer credit risk management,the actual situation of WG City,actual cases of farmer credit analysis are summarized in WG rural credit on farmer credit risk problems:risk management,including incentive-related system is imperfect;incentive-related risk management system is imperfect;household micro credit loan limitations;risk management concepts and prevention mechanisms are relatively weak;risk management organization and limited role.Finally,the risk management process WG RCCU problems and shortcomings,in all aspects of the loan process put forward specific recommendations and measures,including the strengthening of the loan before the loan on the survey;strengthening loan review loan process,standardizing assessment procedures for new users,establish a solid credit rating and other risk measures;kinds of measures to control of farmer credit risk compensation system such as the establishment after loans.