| In recent years,with the in-depth reform of China’s agricultural and rural financial economy,the scale of the financial market has been expanding and financial institutions have taken on the important responsibility of promoting the development of the financial economy while providing regular financial service.Nowadays,county finance has become an important force in building a new countryside and developing a new agricultural and rural economy,and it plays a very important role in promoting the development of the local financial economy.Credit business,as a main business of county financial institutions,is also a door knocker for other businesses of financial institutions and an important source of economic income for financial institutions,so all financial institutions are vigorously developing credit business and actively expanding the rural financial market.However,customer groups in the rural financial market are not strongly aware of financial compliance,and there are more credit defaults.How to effectively reduce credit risks and improve the quality of credit asset management is an issue that cannot be ignored in the development of credit business of financial institutions in the county.Agricultural banks have always adhered to the mission of facing the "three rural areas" and serving the urban and rural areas,and are committed to the development of the county financial economy and actively developing financial service for farmers.Based on the research of scholars at home and abroad,this paper takes Agricultural Bank H Branch as the research object and combines my actual work to study the risk management of agricultural household loans in Agricultural Bank H Branch.By collating and analyzing the farm household loan data of Agricultural Bank H Branch from 2018 to 2022,sorting out the farm household loan business process of Agricultural Bank H Branch,and also by means of questionnaires and interviews,problems in farm household loan risk management of Agricultural Bank H Branch are identified,the causes of the problems are analyzed and found,and solution measures are proposed.The research content and conclusions of this paper are as follows: firstly,we analyze the farm household loan business situation and farm household non-performing loan data of Agricultural Bank H Branch,and use a binary logit regression model to analyze the relationship between farm household loan non-performing and loan investment industry,education level and nature of business entities from 2018 to 2022,and collect information on farm household by means of on-site interviews and questionnaire surveys on credit risk management and analyze the risk management of farm household loans in Agricultural Bank H Branch.Secondly,through the analysis,it was found that Agricultural Bank H Branch had problems in the risk management of loans to farmers,such as a low degree of information technology application,imperfect risk management processes and insufficient credit risk management capabilities,etc.The reasons for this were mainly imperfect risk management mechanisms,imperfect risk management processes and poor professional quality of account managers.Finally,taking into account the theories related to the risk management of loans to farmers and the actual situation of Agricultural Bank H Branch,solutions are proposed in terms of establishing a perfect credit system and industry risk evaluation system,ensuring the authenticity of pre-credit investigation,strictly controlling the examination and approval,providing good training for account managers and improving their awareness of risk prevention. |
