Research On Risk Assessment And Optimization Of Agricultural Credit Under Daihai Lake Environmental Protection Policy

In the context of ecological civilization construction,China’s development is increasingly towards rural areas and is committed to improving the living and income levels of farmers.The application of agricultural loans has emerged,and rural credit cooperatives also play a crucial role.However,in recent years,the non-performing rate of credit cooperatives’ loans is not optimistic.Rural credit cooperatives are the most important commercial banks in China.Their current risk assessment standards can no longer meet the development needs of the new social environment,and "pay more attention to loans than management",that is,pay more attention to the pre loan investigation and in-process review of credit business,pay less attention to post loan risk management,and have weak post loan risk prevention and control.Therefore,in the current environment,especially under the influence of a specific factor or policy,banks can only achieve stable development by actively adapting and improving their own mechanisms.This paper takes M branch of Liangcheng County Rural Credit Cooperatives as the research object.Through studying the impact of environmental protection policies in this area in recent years,it has led to increased difficulty in the recovery of agricultural loans.The credit cooperatives’ own risk prevention mechanism is not perfect,which has brought great risks to the evaluation of agricultural loans.The policy research in this paper has affected the agricultural loans of M branch from both the government and the bank,After that,we conducted field research on farmers who obtained agricultural support loans in M Town to identify risks.By comparing before and after the implementation of environmental protection policies,we assessed the risks of agricultural support loans to farmers and families from credit cooperatives in specific regions using entropy method,and effectively assessed and optimized the risks faced by M Branch of Liangcheng County Union in the process of implementing environmental protection policies,And attach importance to the development of agricultural and animal husbandry credit from the perspective of policies and concepts,and propose risk prevention measures for agricultural loans after policy implementation,which has a certain reference value for the development of the credit cooperative.