Research On The Risk Management Of Farmers’ Microcredit In Rural Commercial Banks

As countries highly attention to agriculture and the rural and agricultural development level and scale is also expanding,grassroots rural commercial bank management is good or bad to the degree of the reform and development of the our country commercial bank has the effect of cannot be neglected.Rural commercial bank is the important financial support for the service of "agriculture,rural areas and farmers",farmers bear the billions of money demand.Agricultural loans is an important part of rural commercial bank assets,while its rural commercial Banks in credit risk is the process of agricultural credit business must face,but also need to deal with the risk of the most difficult,the risk coefficient size will directly affect the development of rural commercial bank.In the study of rural commercial bank loan risk is a typical small farmers credit risk,help the rural commercial bank of awareness of peasant household microfinance risk,avoid credit risk,improve the ability of risk control,risk prevention and control of peasant household microfinance in agricultural rural commercial bank credit risk management is more important position,to further build on farmers microcredit more comprehensive system of risk prevention and control system has important theoretical significance and practical significance.Paper’s research object is a rural commercial bank in the north of shaanxi,in the county branches numerous,lending scale two 5 of the county market share in 2020,agricultural loan balance of 1.9373734 billion yuan,the year rise 192.192 million yuan,accounting for 73.03%of the loan balance,to support the "agriculture,rural areas and farmers",pratt &whitney finance,promote local economic development has a great influence.Involved in this article the farmers of microcredit loans,credit risk related concepts clearly defined,on rural financial market theory,theory of credit rationing,the COSO risk management theory,based on the review and analysis on the related theory,combing the related literature,analyses the LC rural commercial bank credit risk and risk management,the following main problems: strong dependence on natural conditions,farmers lack of credit system,management of customer manager dereliction of duty,and some problems such as not compliance.To explore LC farmers small rural commercial bank credit risk identification,measurement,monitoring and control can effective prevention and management measures.Paper combined with theoretical knowledge and practical experience using the method of literature analysis,the Logistic data model analysis method of LC rural commercial bank,this paper analyzes the factors which affect farmers microcredit loans,finally get the labor force,annual family income and family annual expenditure factors on the degree of influence of peasant household microfinance reimbursement that conclusion is more significant.Finally,the paper puts forward practical rationalization suggestions from LC rural commercial banks on how to carry out risk prevention and control and how to optimize the existing risk management system in a targeted manner: first,strengthen the training of farmers to help them improve their ability to cope with risks;Promote the establishment of repayment consciousness through improving the credit rating system;Third,the bank can improve the comprehensive quality of employees and pay attention to the training of risk awareness;Fourth,banks constantly improve the risk management system,tighten the separation of loan review system,and fifth,make use of online evaluation system to track and manage credit funds in real time.