Research On Loan Risk Management Of Agricultural Bank Of Qing'an Agricultural Bank

Agriculture related enterprises loan is an important part of China's agricultural loan.With the improvement of the risk management level of all kinds of loans after the Basel III Agreem ent,as one of the main components of the policy-oriented loans in China,the agricultural-related enterprise loans have also improved their risk management level.However,based on the difference between enterprise credit and personal loan in risk management,it is an important direction for banks to explore the issue of enterprise risk management.Therefore,combined with Basel III and the current situation and system of risk management of commercial banks in China,the theory of assets-liabilities ratio and conversion capacity,the study on the risk management of agricultural loans of the Agricultural Bank of China has become an important practice to explore the credit risk management from the enterprise as the main body.Based on this,this paper studies the risk management of Agricultural Bank of Qing'an Agricultural Bank.By using the methods of literature analysis,investigation and analysis,and theoretical analysis,and combining with the present situation of risk management of agricultural-related enterprises loans of Agricultural Bank of Qing'an County,this paper proceeds from the aspects of organization department,risk management process,risk management tools and risk management effect of risk management,aiming at the existing agricultural-related enterprises.The problems of low credit quality,invalidation of joint guarantee system,unreasonable enterprise effective pledge system,high non-performing loan rate and bad debt rate are studied.The reasons affecting the loan risk management of agricultural enterprises are explored from the aspects of checking-in mechanism,joint guarantee system,effective enterprise pledge,risk management and early warning system.Based on this,we should perfect the checking and controlling system of risk management,improve the rationality of joint insurance system,improve the rationality of effective pledge,and construct the risk early warning management system,aiming at improving the risk management of agricultural enterprises loans of Qingan Agricultur al Bank in an all-round way.