Research On Risk Management Of Agriculture-Related Loans Of YC Agricultural Bank

Paying attention to credit risk management has become the key development direction of commercial banks since the promulgation of the Basel Agreement III.It is also the focus of supervision emphasized by the current Banking Insurance Regulatory Commission.Agricultural Bank of China's agricultural loans as a part of policy loans,its risk management also plays an important role in the operation of the bank.Based on the difference between agricultural credit and ordinary credit,the risk management of agricultural credit is an urgent aspect.As a commercial bank,the Agricultural Bank of YC City also involves risk management in the process of providing agricultural loans,which is the basis of improving the operational stability of the Agricultural Bank of YC City and ensuring its service to agriculture,countryside and farmers.In view of this,this paper takes YC Agricultural Bank as the research object,and on the basis of Basel Agreement III,types and characteristics of agricultural-related credit risk and the theory of rural credit risk control,explains the distribution and risk situation of agricultural-related loans of YC Agricultural Bank,and launches risk management measures and effects.Discussion and analysis.Through the summary,we can see that the pre-approval of agricultural credit is not strict,the identification and management of customer credit risk is not in place,the identification and evaluation of agricultural credit risk is lack of professionalism,and there is no effective early warning mechanism for risk customers and no immediate risk identification and evaluation mechanism.From the point of view of the reasons,the formalization of customer credit approval and approval system,the defects of agricultural credit risk management system,the absence of quantitative risk assessment mechanism for agricultural credit,the defects of risk early warning system for the whole process of agricultural credit object and the lack of endogenous conditions for immediate monitoring and evaluation of agricultural credit risk are the important reasons for the above problems.Because of.Based on this,this paper attempts to put forward a series of coping strategies.The Agricultural Bank of YC City should improve the mechanism of approval and approval of agricultural-related credit,establish and improve the credit risk management system of agricultural-related credit customers,optimize the identification and evaluation mechanism of agricultural-related credit risk,construct the whole-process risk assessment and early warning mechanism of agricultural-related credit,and try to establish an immediate risk identification and evaluation mechanism independently.Comprehensively improve the level of agricultural credit risk management.