Study On Risk Management Of The Rural Microfinance

The rural credit cooperatives is the national rural policy powerful practitioner and preacher,micro credit loans in rural areas is rural credit cooperatives in the rural market's flagship product and brand,effectively solve the financial needs of farmers,promote the development of agricultural economy.However,due to the poor rural credit environment,weak farmers' ability to operate,rural labor mobility and the weak risk management of rural credit cooperatives,the risk of small credit loans to farmers is becoming increasingly serious.The rural credit cooperatives in Zizhong County as an example,based on the full investigation of over 54 business outlets,to the actual problem oriented,based on risk management theory,conducts the research to the credit risk management of small farmers credit union in the key is to analyze the main problems and reasons of the high rate of non-performing loans farmers loan risk management,and at the same time to construct the evaluation index system and model of multi sample empirical test,in order to carry out targeted,effective suggestions put forward to strengthen the capital of union of rural microfinance risk management,and gradually reverse the adverse situation of the high defect rate.Based on the micro credit loans to farmers to rural development and farmers' status and role play an important role in promoting the level of non-performing loans remain high as the research background,put forward the healthy development of micro credit loans to boost the capital of union of farmers,research targets to improve agriculture effect;the microfinance risk management related theoretical basis and the success of the typical mode of operation as the research,theoretical support and experience;the micro credit loans to farmers in cooperatives capital operation process and main mechanism,pointed out that the risk control measures have been taken,especially for the peasant loan operation situation and made a special analysis;based on the survey data as the basis,a detailed analysis of the risk status of small loans for farmers and it also summarizes the reasons,points out the capital of cooperatives in rural microfinance risk The main problems of management;using AHP and Delphi method to construct the index system and evaluation model of rural microfinance risk assessment,conducted empirical tests on 45 samples selected by fuzzy evaluation method,the fitting rate reached more than 90%,the model has strong scientific and practical;based on the analysis of the problem summary and empirical analysis,risk mitigation of micro credit loans to farmers in the capital union continued to strengthen local financial support,this type of households,improve the credit environment in rural areas,innovative exploration suggestions.