Research On The Risk Management Of Agricultural Loan About Agricultural Bank Of Kedong County

With the continuous implementation of the policy of agriculture,rural areas and farmers,the specific application of rural finance has become an important link to influence the development of agriculture and the industrialization of agriculture in china.The way to solve the rural financial problems of agriculture on agricultural loans provide basic funds for agricultural development,and become an important force in the financial support of the construction of agricultural development and rural enterprises;in rural development,agricultural loans improve the living standards of farmers,promote the capital strength of the construction of new socialist countryside,is to support and promote socialist factors in the development of rural development;farmers,agricultural loans for the production and life of farmers,to improve the living conditions of farmers,improve the farmers' enthusiasm for production,and improve the efficiency of agricultural development.The establishment and improvement of the overall mechanism of rural finance is an important guarantee to improve the level of agricultural economic development and to promote the industrialization of agriculture in Heilongjiang province.However,although the rural finance has become an important guarantee of capital construction in rural of Heilongjiang Province,but the rational risk control is also an important measure to improve the effect of Heilongjiang province and the dragon industry loan coverage efficiency.For this,the paper makes research on the problem of agricultural Agricultural Bank China Kedong County branch,to analyze the development of agricultural loans and risk management of the current situation and problems,combined with the high rate of non-performing loans,low profitability,mortgage mechanism is not perfect,performance risk management methods and means of management after loan is not backward in place,from the internal control system is not perfect,the post responsibility system is not clear,the governance structure unreasonable,lack of legal environment and customer decision and evaluation method of mining and the lack of the reasons,and puts forward the corresponding countermeasures,from the cognitive level of risk management,improve the internal control effectiveness of system,establish and perfect the risk the early warning mechanism,establish and perfect the supervision system of the corresponding credit risk compensation mechanism to comprehensively push forward the Agricultural Bank China For the service nongdai Kedong County branch of sound,and focus on the agricultural loan risk management problems are discussed from the comprehensive risk management level and enhance the role of the efficiency and effectiveness of Bank branch.