| As the main force of rural regional financial construction in China,village banks have played a huge role in the financial field of agriculture,rural areas and farmers.However,due to their short development time,concentrated business areas and small size,they are generally weak in risk management.At the same time,because their business is mainly agricultural loans,most of them have the characteristics of high interest rates,short term and difficult risk management,This makes the risk management problems faced by rural banks in agricultural loan business particularly prominent.In April 2022,Henan Rural Bank was found unable to withdraw cash.After investigation,it was found that the shareholders of the bank were suspected of using the rural bank to commit serious crimes,and the problem of risk management of rural banks was put into hot search.Taking Pengzhou Minsheng Rural Bank as an example,the paper analyzes the risk management of its agricultural loan business,issues questionnaires to the bank’s employees,and analyzes the case of the bank’s non-performing loan business in recent ten years,obtains the problems and causes of the bank’s agricultural loan business risk management,and puts forward corresponding countermeasures.Based on the questionnaire and interview results,it is believed that the problems in the risk management of agricultural loan business are mainly manifested in the inadequate pre loan survey of agricultural loans and asymmetric information of lenders;Inadequate customer management and imperfect early-warning mechanism in agricultural loan;The post loan risk disposal means of agricultural loans are single.The reason for the pre loan investigation lies in the non-standard operation of agricultural loan credit personnel and the unsound credit system.The reasons for the problems in loan management lie in the imperfect risk management structure and risk control mechanism of agricultural loans.The reason for the problem of post loan risk disposal is the weak guarantee mode of agricultural loans and the poor connectivity of mortgage logistics.In view of the above problems,the main countermeasures are: first,improve the risk assessment system of agricultural loan business and standardize the loan operation procedures;Second,improve the overall risk management level of agricultural loan business and implement the post risk supervision mechanism;The third is to establish counter guarantee mechanism with local government and introduce insurance compensation mechanism. |
