Research On Risk Prevention And Control System Of Agriculture-Related Loans Of H Rural Commercial Bank Under Digital Transformation

Rural commercial banks,as the main force of rural finance and farmers’ credit,have played an extremely important role in solving the "three rural" problems and promoting rural revitalization.In recent years,H Rural Commercial Bank followed the pace of Digital transformation of the banking industry,developed online agricultural loan business and deployed digital loan workflow,but weakened the new risk prevention and control work brought about by Digital transformation,and its agricultural loan non-performing ratio,especially the online part,was high.This article takes Agricultural Commercial Bank H as the research subject,introduces its current situation and agricultural loan risk prevention and control system,collects its agricultural loan data from 2017 to 2021,uses literature analysis,field survey,questionnaire survey,and case study methods to study and analyze the problems in its agricultural loan risk prevention and control system,and summarizes the following reasons: insufficient data on pre loan risk identification,and poor risk assessment methods in loans,Formalization of risk early warning work after loan;Internal risk prevention and control systems,such as institutional norms,talent teams,and risk culture,have not been updated in a timely manner and have not been effectively embedded in online processes.In the face of the above problems of Agricultural Bank H,this article puts forward the following suggestions: First,strengthen multi-channel data sharing,and jointly build a data platform;Secondly,using the advantages of rural commercial banks as local banks,collect "soft information" of farmers and construct econometric models;Third,establish an intelligent early warning mechanism for post loan risks to assist in manual troubleshooting;Fourth,follow up the construction of internal risk control systems,update system norms,establish employee supervision systems,cultivate versatile talents,and cultivate a new risk culture;Fifth,improve the online agricultural loan guarantee method.