Research On Risk Management Of Rural Microfinance In Agricultural Bank Of Sanjiang Sub-branch

As the country's large granary,Heilongjiang has a total agricultural population of 18.988 million,accounting for 49.2% of the province.At the same time,with the development of economy,Heilongjiang Province,as the most typical province in the northeast old industrial base,has a large proportion of agricultural components.Due to geographical location and other reasons,Heilongjiang Province's economic development is relatively backward.The state attaches importance to the development of the three rural issues,among which An important issue is financing.For Heilongjiang Province,the issue of “agriculture,rural areas and farmers” has always been a fundamental issue for development.One of the important measures to solve the financing problem is to increase the intensity of rural microfinance and optimize the loan structure.As a symbolic product serving the “three rural”,the rural microfinance project is an effective channel to solve the financing of farmers and low-income groups,and has made great contributions to the sustainable development of the rural economy and the improvement of farmers' living standards.Heilongjiang Province One of the most important components of rural finance.With the rapid development of rural microfinance projects,the risks of their existence are gradually emerging.Due to the characteristics of rural microfinance projects,there are higher and more complex risks.Therefore,it is important to select rural microfinance risk management research.Realistic meaning.Based on the importance of rural microfinance for rural economic development,this paper is based on the current domestic and international research on the risk management of rural microfinance,and the rural microfinance loan of the Agricultural Bank of China Sanjiang Sub-branch is the research object,standing in the bank.This paper analyzes the development status of rural microfinance business and the outstanding problems faced by risk management,and explores the optimization measures and guarantee schemes for strengthening microfinance risk management based on actual conditions.The main content of this paper is divided into five parts.Firstly,it briefly introduces the research background,research purpose and significance,research content and methods,as well as the status and review of literature research at home and abroad.Secondly,on the basis of fully understanding the concept of rural microfinance and financial risk,the paper systematically sorts out the relevant theories of rural microfinance development,from the aspects of agricultural credit subsidy theory,imperfect competition market theory and inclusive financial system theory.theoretical analysis.Combined with the development status and asset quality of the rural microfinance business of the Sanjiang Sub-branch,the main problems and causes of the rural micro-credit business risk management were discussed,and corresponding optimization suggestions and guarantee schemes were proposed.