Research On The Risk Management Of Rural Household Small Credit In Rural Commercial Banks Of A

Rural commercial bank,the product of financial reform,plays an important role in the process of solving the problems of "agriculture,rural areas and farmers" in China,and injects vitality into the progress of rural economy.Microfinance is one of the main businesses of rural bank,mainly aimed at farmers,with more risks;as more financial institutions expand the rural market,the industry competition;at the same time,rural bank conducts comprehensive reforms and achieved great development,but risks also increased,and faces great challenges in the development process.Therefore,combined with the actual cases of analyzing the microfinance risk management of rural commercial banks,and put forward effective risk management countermeasures,it is helpful to promote the improvement of their farmers’ microfinance risk management ability,and can provide a more powerful guarantee for the long-term and stable development of rural commercial banks.Based on this,this paper selects A agribusinesses behavior,through the farmers small credit loan risk management research,follow the "find problem analysis problem solving",in the A bank farmers microfinance business situation,through the analysis found the risk management problems and find out the root,on this basis put forward feasible countermeasures.The research content and conclusions of this paper are as follows:First,on the basis of the analysis of the small loan business of A Rural Commercial Bank and overdue cases,the risk categories of farmers’ microfinance business are mainly:natural risk,credit risk,market risk,operational risk and reputation risk.Secondly,through the investigation of the risk management situation of rural microfinance business of A Rural Commercial Bank,it is concluded that the problems existing in the risk management of A microfinance business include:pre-loan investigation,defects of microfinance financial products,rough implementation of rating and credit granting,empty approval process and serious lag of post-loan management.This is mainly due to the defects in the risk management organizational structure,the imperfect internal control system of risk management,the imperfect risk assessment quantitative system and early warning mechanism,the unprofessional risk management talent team and the lag of credit risk management culture.Finally,the countermeasures of rural credit risk management of rural households are put forward from the aspects of improving the internal control mechanism of rural microfinance risk management,improving the risk assessment and early warning mechanism,improving the comprehensive quality of loan practitioners and strengthening the construction of credit risk management culture system.From the introduction of risk measurement technology,the implementation of the guarantee responsibility of farmers and the expansion of the background support force,the implementation guarantee of the small loan support force is proposed.