Research On Risk Prevention And Control Of "Guarantee Circle" Of Agricultural Commercial Bank L

The overall development time of China's commercial banks is relatively late,so there is still a certain lack of strength in all aspects,and in the face of the current market economy financing needs continue to expand,competition is intensifying,resulting in many commercial banks to carry out a variety of lending business,regardless of risk factors,crazy take advantage of market share.Along with the fluctuation of economic cycle,the economic development at home and abroad takes the downward route,at which time the various risks faced by commercial banks gradually begin to appear,and the "guarantee circle" becomes one of the most typical,which seriously affects the economic development in the region,so how to carry out the "guarantee circle" of commercial banks The problem of risk prevention and control has become the focus of research by various experts and scholars.From 2014 to the end of June,the media announced that more than 30 listed enterprises have an equity freeze,freezing funds of up to 2.6 billion yuan,and 9 of the equity holders of these enterprises becau se of other corporate loans to provide liability guarantees,and loan enterprises can not repay loans,resulting in this part of the shareholders were implicated,the equity was frozen by the relevant departments.From this,it can be seen that the "security circle" risk has become the most important credit risk in the current financial institutions,if it can not be effectively regulated to prevent and control,it will have a very negative impact on the operation and development of commercial banks,resulting in an unpredictable threat.Therefore,the risk prevention and control of the "guarantee circle" of commercial banks must arouse the attention of the relevant organizations,strengthen the control and prevention,and be proactive.Firstly,this paper expounds the background and significance of the research,combs the relevant research contents at home and abroad,and systematically discusses the formation and characteristics of the "guarantee circle",and through the analysis and summary,introduces the reasons for the formation of the "guarantee circle" and the types and identification of risks.Then,through the method of case study,this paper makes a detailed analysis of the current situation of credit risk prevention and control of L Agricultural and Commercial Bank"guarantee Circle",and finds that the credit risk prevention and control of L agricultural and Commercial Bank guarantee Circle has the problems of imperfect customer admittance exit mechanism,relatively rigid rating credit mechanism,less types,finally,from the aspects of early warning mechanism,risk management,inter-firm cooperation and cultural construction,this paper puts forward the risk prevention of guarantee circle and the corresponding countermeasures,hoping to provide a feasible way to solve the problem of guarantee circle for the risk identification and prevention of L agricultural and Commercial Bank guarantee circle financing.Through the research of this paper,it is found that the risk prevention and control of agribusiness Bank guarantee Circle is not only affected by the macroscopic environment,but also the micro-level guarantee system and risk prevention and control of the bank will affect the credit risk management of the guarantee circle of the agricultural Merchants Bank.The innovation of this research lies in the concentration of other scholars in the risk management of commercial banks,the research object of this paper is the risk management of the guarantee circle in the credit risk of agricultural and commercial banks,which effectively makes up for the blank of the research theory in this field,and provides the experience for the credit risk management of agricultural and commercial banks.