Research On Huinong Loan Risk Management Of A Commercial Bank Under Rural Revitalization

After the implementation of the rural revitalization strategy in China,with the continuous implementation of the national financial and credit policy on the development of the rural economy,the important role of commercial banks in the rural revitalization strategy is becoming increasingly prominent.The rural revitalization strategy encourages commercial banks to tilt their financial support to key areas and weak links in the rural economy,and encourages commercial banks to provide guarantee-free credit loan support to agricultural business entities.However,due to the particularity of the agricultural industry,the imperfection of the rural credit system and other factors have always led to the high default rate of agriculture-related loans,and the strong supply of credit to the agriculture-related sector also means that commercial banks will face more risks.With increasing the support of commercial banks for rural revitalization,commercial banks must practice their social responsibilities while taking into account the stable operation.Both credit supply and risk prevention and control are the only way for commercial banks to operate steadily under the rural revitalization strategy.Therefore,it is imperative for commercial banks to establish a comprehensive risk management strategy of benefiting farmers loans.A commercial bank for large state-owned Banks,service agriculture is its main responsibility,so this paper to a commercial bank corresponding loans as the research object of risk management research,form a specific corresponding loan risk control strategy,can actually improve the commercial bank farmers loan management ability,promote the bank more robust power rural revitalization,at the same time can guide the commercial bank control farmers loan risk,promote the overall banking system efficient power rural revitalization.First of all,the research background,research status and relevant theories were sorted out,then the current situation and problem diagnosis of a commercial bank were analyzed,then the risk identification and evaluation of Huinong loan were carried out,and finally,the risk control countermeasures of Huinong loan were put forward.The analytical theory tools used are game theory and information asymmetry theory,and the analytical theory basis used is the risk management theory of commercial banks,the comprehensive risk management theory of commercial banks,and the theory of credit risk management theory of commercial banks.Questionnaire survey,case analysis,hierarchical analysis,qualitative and quantitative analysis were used in the study.After the current situation analysis,risk identification and evaluation of a commercial bank,the risk management of Huinong loan should be the credit risk control,followed by market risk and operational risk control.The credit risk control strategy should strictly control the loan access management from the perspective of farmers;conduct differentiated credit limit management,annual lending scale control,formulate exit strategy and differentiated risk pricing from the perspective of banks;and strengthen the construction of farmer market credit system from the market perspective.Market risk control strategy adopts risk sharing and risk early warning strategy.The operational risk control strategy adopts the pre-loan optimization of the acceptance standards and procedures,dynamically grasp the information changes in the loan,consolidate the risk control after the loan,and strengthen the professional talent training strategy.