| As one of the major strategies of our country,rural commercial banks(RCCS)are also playing an increasingly important role in promoting rural economic development.Rural credit is also the main force of finance,but rural finance is still one of the weaknesses of the Chinese financial industry,especially the imperfect rural financial credit system,resulting in rural credit risk is higher than that of the city.Therefore,in order to achieve stable operation and smooth growth rate,rural commercial banks urgently need to solve the problem of loan risk,which will promote the continuous improvement of rural financial environment.The further increase of farmers’ income through loans,on the other hand,will promote the further reform of the country’s financial system.This paper takes the risk management of small loans to farmers of A rural commercial Bank as the research object,reviews previous studies on small loans to farmers and loan risks,including the characteristics and risk points of small loans to farmers,and arranges relevant theories of loan risks,including the theory of information asymmetry and the theory of total risk management,to lay the groundwork for the loan risk analysis in the following paper.Secondly,it introduces the development status of small loans for farmers in A Rural Commercial Bank in recent years,and starts from the basic situation and risk status of small loans for farmers in A rural Commercial Bank.This paper analyzes the problems of staff comprehensive literacy to be improved,lack of perfect pre-loan investigation system and related risk assessment system,farmers’ loan literacy to be improved,and unbalanced loan structure in A Rural Commercial Bank’s small loans to farmers,and analyzes the causes combined with related risks.Based on the perspective of preloan risk investigation,regression analysis is used to quantify the factors that affect farmers’ small loans and establish a risk assessment model,so as to analyze the risk factors.Finally,in view of the risk problems of A Rural Commercial Bank’s small loans to farmers and the results of risk assessment,the paper puts forward some suggestions,such as strengthening the cultivation of farmers’ credit awareness,improving the identification rate of high-quality customers,perfecting the preinvestigation system and risk assessment system related to rural loans,optimizing the credit structure,improving the risk mitigation ability and improving the staff’s comprehensive literacy and risk prevention awareness.In this way,the management level of A Rural Commercial Bank can be continuously strengthened.It is also hoped that this study can provide reference for other peers. |
