| Farmers microcredit is the important measure of China's rural financial poverty alleviation.In recent years,domestic Banks have issued relevant policy,actively develop farmers microcredit business,optimize the farmers microcredit business procedures,alleviate peasant household loans difficult problem.However,along with the continuous expansion of rural farmers loans,credit problems loom large,farmers microcredit non-performing loan ratio is too high,the credit risk of frequent unfavorable to the agricultural bank loan business smoothly,it not only affects the national rural financial policy support,also affects the development of rural finance.In the face of expanding scale of farmers small loans,how to solve the problem of peasant household loans difficult,how to effectively avoid the risk of farmers microcredit,how to improve the agricultural bank of farmers for solving the problems of the small credit risk management ability directly influences the healthy development of rural finance.F branch of agricultural bank of this study for specific analysis object to study the problem of farmers small loans credit risk control,improve the credit risk management of the actual operational,increased the credit risk management guide,for the rest of the agricultural bank of brothers bank provide reference and Suggestions.First of all,this study summarizes the related domain characteristics of farmers microcredit,combing the analysis of peasant household microfinance credit risk control related theory;Secondly,this paper discusses the F branch of agricultural bank of China's farmers microcredit credit risk control present situation,analyzes the problems existing in the branch still;Then,respectively introduces the classic case of microfinance abroad,summarizes the experience of foreign microfinance;Innovation after F branch three farmers small loans credit risk control model,and contrast analysis of each loan model results and enlightenments,by comparison,F branch,respectively,can be found from the Internet the mortgaged property and government credit,three aspects to strengthen credit risk management,in order to build Internet +thinking pattern of anxi Forest loans shun cheong mode and administration peasant household loans,Banks and insurance companies in promoting the development. |
