Research On Credit Risk Identification And Control Strategies Of Rural Homestead Mortgage Loan Service In GRC Bank

After 10 years of development,great changes have taken place in China's rural financial market,and agricultural related loans have shown unprecedented prosperity,from 6.1 trillion yuan at the end of 2007 to 32.7 trillion yuan at the end of 2018.However,the quality of credit assets of agricultural related loans has declined repeatedly,the overdue rate and non-performing rate have increased,and the credit risk occurs frequently,which is far higher than other industry loans.As for Guangzhou rural commercial bank,taking the rural homestead mortgage loan which is one of the loans for agriculture,rural areas and farmers as the source business,there are management defects and risk loopholes in the three links before,during and after the loan as well as product design,which makes the credit risk management of the rural homestead mortgage loan business very difficult.This paper takes the credit risk management of the rural homestead mortgage loan business in Guangzhou rural commercial bank as the research object,according to the sample of 584 customers who have settled the rural homestead mortgage loan in Guangzhou rural commercial bank,using the logistic regression method to identify and evaluate the factors affecting the credit risk of the rural homestead mortgage loan.First of all,the logistic regression method identifies 10 credit risk elements of rural homestead mortgage loan business,covering four aspects: borrower's basic information,borrower's financing situation,homestead and income situation,and loan application situation.Different factors have different impact on the credit risk of the rural homestead mortgage loan.Secondly,the above risk factors are evaluated according to the "probability of occurrence" and "expected loss",which are divided into three categories: high,medium and low,and three corresponding risk control strategies are put forward,including "limited exit","flexible intervention" and "encouraging support".The analysis of the paper shows that the above different control strategies can be used in the access of borrowers before loan,the approval of borrower during loan and the monitoring of borrowers after loan,which will help to form a more standardized risk management,not only improve the scientificity and effectiveness of risk management,but also effectively reduce a series of risks caused by moral risks and subjective assumptions,and ultimately improve the credit risk management ability of Guangzhou rural commercial bank.