| Our government has always stressed that we must always make solving the problems of "agriculture,rural areas and farmers" the top priority of the work of the whole party,while "agriculture,rural areas and farmers" is related to the national economy and people's livelihood,and the rural revitalization strategy is an important part of building a modern economic system.At present,the development of "agriculture,rural areas and farmers" is relatively backward,which has become the biggest weakness of China's socialist modernization.One of the reasons is that "financing is difficult" and"financing is expensive" has not been well and effectively solved.In order to effectively alleviate this situation and support the development of new agricultural operators,the jiangxi provincial government launched the pilot business of "financial benefit to farmers and credit link" in September 2014,and cooperated with a number of Banks in the province to develop a new financing mode with financial capital as risk compensation,so as to facilitate the rapid development of "agriculture,rural areas and farmers" economy.Features in order to make the sustained and healthy development of credit business,this article from the perspective of commercial Banks,analyzing the business risk in the actual operation,and USES the case analysis method,with J bank in jiangxi province as an example,analysis of J bank in in financial and general business credit risk and its reason,and J bank deals with how to do a good job in risk prevention and the government,at the same time also want to have for other commercial Banks in the credit business risk implications.Before the case study,this paper first introduces the economic background and policy environment of the development of financial credit communication.Then,the paper introduces the financing mode of financial benefit credit link,the process and development status of J bank's loan business.From the perspective of the bank,this paper discusses the risks faced by this business and finds that risk factors can be mainly divided into macro aspects and micro aspects.Macro risks include:instability of agriculture,weak quality of new agricultural operators' ability to resist risks is weak,farmers' credit consciousness is weak,macroeconomic downward pressure,the influence of interest rate liberalization,and the quality of bank credit will also decline.Micro risks include the risk of compensation for financial risks,the risk of misappropriation of loan funds brought by low interest rates,and the risk of the failure of the "three checks" of bank loans.Then,the causes of risk formation are analyzed and the following points are found:first,the risk caused by the proportion of risk compensation is not balanced with the bank's income;Second,local agricultural departments have no corresponding obligation requirements;Third,the loan interest rate regulation of "financial benefit agriculture credit link" should be more scientific;Fourth,the agricultural policy changes to the operating entity and the bank adverse;Fifth,the bank side risk guard consciousness is weak.Finally,combined with the above analysis,the paper puts forward countermeasures and Suggestions on risk prevention,which are mainly from the perspective of government policies and Banks.The government:first,the agricultural department refined audit standards and strengthened training and technical guidance;Then establish the assessment mechanism and incentive system;Finally,agricultural insurance is introduced to increase protection.Banks:first,promote the platform integrated services;Then elaborate risk control processes are developed.Finally,improve the interest rate pricing mechanism... |
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