Research On The Optimization Of Risk Management Of Rural Household Micro-credit Loans Of JX Rural Commercial Bank

The No.1 document by the central committee of the CPC in 2021 stressed that a pressing matter of the moment for the whole party is to solve the problem of agriculture,rural areas and farmers,and to promote rural revitalization in an all-round way as a major task,which realize the great rejuvenation of the chinese nation.Rural commercial banks play a key financial role in supporting "agriculture,rural areas and farmers".And the main problem it faces is how to strengthen credit risk management.Firstly,this paper summarizes the credit risk theory of commercial banks,selects JX rural commercial bank as the research object,by means of literature research,qualitative analysis,quantitative analysis and exchange interview.Then it analyzes the risk management of small farmers’ credit loans,and summarizes its practical problems.Namely the mismatch between farmers’ demand and credit products,large errors in farmers’ evaluation.And there is asymmetric information between banks and farmers and illegal operation risks of employees.This paper analyzes the reasons,and then puts forward some risk management optimization ideas for the above specific problems,mainly including the following points: the optimization of micro farmers’ credit products,the optimization of farmers’ credit rating accuracy,the optimization of farmers’ information feedback mechanism after loans,and the optimization of unit internal control management mechanism.Finally,it puts forward the guarantee scheme,which has the construction guarantee of employees’ cultural concept Employee incentive mechanism guarantee,credit team construction guarantee and credit management system guarantee.