Research On Risk Control Of Agricultural Credit Business Of L Small Loan Company

Small loans for agriculture are a financial service that provides financial assistance to farmers with low income levels and small businesses with low turnover.Since the 90 s of last century,this kind of service has been explored in China.Its purpose is to solve their demand for cash so as to improve their living standard and production quality.But in recent years,with the continuous expansion of agricultural credit business,the risk is also gradually accumulate,there have been many risk exposure and risk control problems over the past few years,the rural credit cooperatives of agricultural credit business of the non-performing loan ratio has been higher than the level of eight percent,significantly more than the national average level,which needs to cause small the loan company's concern and attention.As a small loan company,it needs to be aware of the risks,risk identification,risk control.Especially,when small loan company dealing with the agricultural credit business,it has the characteristics of small amount but multiple batches.At the same time,the customers have the characteristic of low credit degree and anti-risk ability to realize their own business.The small loan companies must control risk all the time,they can have a good development.Therefore,this paper based on the risk control of small loan companies and the risk research of agricultural credit business.It summarizes and analyzes the related concepts of small loan companies and the industry data of agricultural credit.Next,this paper analyzes from the general risks and causes of small loan companies,the necessity and characteristics of agricultural credit business and microfinance industry policy analysis of several aspects of this comprehensive and detailed discussion.And this paper found that the current industry of microfinance in China developed rapidly,but the related non-performing loan ratio especially small loan companies related non-performing loans and non-performing loans may have been high,which is worthy of attention caused by small loan companies.Then,based on the L small loan company as an example,this paper did in-depth analysis of the company's basic information,business management,organizational structure,personnel and major shareholders,loan process,risk identification and control index,adverse situation analysis,case analysis and the existing problems and causes.Through qualitative research,data research and case study,we find that L small loan companies expose many problems in risk control,and there is a high risk of bad loan rate caused by lax risk control.Finally,based on the risk of the L microfinance company's agricultural credit business,some suggestions are made to solve the problem.