The Research On Loan Of Farmers Inrural Commercial Bank

In the past few years,China's commercial banks face quite serious default risks.Rural commercial banks are located in rural areas,whose main income comes from interest spreads of deposit and loan.Since the majority loans of rural commercial bank aim at farmers,it is easily affected by natural disasters and market conditions,compared with other commercial banks,the risk is greater others and the NPL ratio continued to rise.Take the C branch of N City rural commercial bank for example,during from 2010 to december 2014,non-performing loans has been growing,the situation is quite grim.In this dissertation,from the perspective of farmers'defaulting departure,we present some ideas and proposals for the rural commercial bank on the aspect of default risk management,based on the analysis of household credit default and influencing factors on farmers.Next we will provide a brief introduction to the main contents of each part in this dissertation.In the first part,we introduce some research background,the purpose and significance of this dissertation,the main content and research methods of our work.In the second part,we elaborate the farmer loan defaults related concepts involved,including the impact of the factors farmers loans,loan classification,breach of contract and breach of loans to farmers.The third part provides some basic situation and the loans of the C branch of N City rural commercial bank,which include the risk of default and structure of of non-performing loans,and By way of security,such as different angles to analyze the structure of the distribution of loans to farmers.At the same time based on comparative analysis of the data as well as changes in the bank's loans to farmers and other branches of the status quo risk.The fourth part discusses the default situation of the C branch of N City rural commercial bank under various influence factors.The influence factors can be divided into five cases,namely the farmers themselves and family characteristics of the sample,repayment ability,loan itself,and the farmers' individual credibility.In the fifth part,we discuss the significance of the influence factors of loans default through the established logistic model.The factors can be further subdivided into 16 factors that include age,gender,social capital status and so on.We demonstrate that the factors of age,family size,loan amount,whether credit village,whether there is overdue records are some significant factors that influence loans default.In the sixth part,based on the analysis of our results,we provide some ideas and proposals for the default risk management.