Research On Risk Control Of Poverty Alleviation Discount Loan Of Rural Commercial Bank Of A Province

Since the "13th Five-Year Plan",the state has successively introduced a series of financial poverty alleviation policies in order to support the poor to get rid of poverty,achieve common prosperity,improve the financial precision poverty alleviation policy system and organizational system,and give play to the leading role of financial poverty alleviation.Poverty alleviation discount loans are typical financial subsidy policy loans.As a special loan for the production needs of farmers and enterprises in poor areas,it is an important means to increase investment in poor areas,and an important way to achieve industrialized poverty alleviation from village to household,which not only meets the financial needs of poor households themselves,but also alleviates the contradiction between the difference between the rich and the poor to a certain extent.However,because such special loans for poverty alleviation are mainly undertaken by local financial institutions,there are characteristics such as low benefits,high costs,and complex management mechanisms,and the expected effects cannot be fully produced after the loan is accepted and handled,and it is quite important to strengthen the risk control of loans.Taking the current situation of risk management and control of poverty alleviation discount loans of rural commercial banks in province A as a case,through the specific description of the phenomenon of poverty alleviation discount loans of relevant rural commercial banks in the jurisdiction of province A,this paper analyzes the real problems of poverty alleviation discount loans,deduces the possible causes,and tries to put forward relevant suggestions and improvement measures from different perspectives,and to do a good job in poverty alleviation discount loan risk management from pre-loan,loan to post-loan.The branches of rural commercial banks in various cities in province A have mainly issued "entrepreneurial loans","student loans" and "industrial loans".Due to the weak risk identification ability,imperfect loan system,lack of internal perfect risk control system,insufficient punishment for non-compliant operations,and the greater risk of default of poor households,there have been phenomena such as "household loan enterprise use",inaccurate loan objects,and untimely repayment after loans,facing greater risk prevention and control pressure.In view of the above problems,the analysis learned that many rural commercial banks in many areas of A Province did not do a good job of risk identification before lending,to prevent problems before they occurred,due to the lack of a sound loan management system in the loan process,in the face of the external unpredictable environment and internal imperfect risk control system,poor households and bank governments are prone to information asymmetry,and the loan personnel have not done a good job of tracking investigation,loan risk supervision and early warning after lending,and need to expand the scope of risk identification before lending;unified ledger form in loan,strengthen process management;improve post-loan management mechanism after loan,Regularly report to the government,continuously optimize credit management institutions to improve the credit early warning mechanism,strengthen the internal assessment of the industry to enhance the professional quality of financial practitioners,innovate and improve financial products to meet differentiated needs,and actively prevent and resolve credit risks.