Research On Farmers' Microfinance Risk Management In Lijin Rural Commercial Bank

As a kind of innovation way to support rural economic development, farmers micro-finance provide a kind of credit service mode to the majority of farmers to obtain loans without the need for guarantees and the mortgage, which changed the traditional situation purely depending on the country’s fiscal and provides an important source of funds to promote the agricultural development, maintaining rural stability, and promote the farmers’income, and most importantly has played a huge role in supporting the disadvantaged groups, supporting the development of the "three rural", and building the new socialist countryside and so on. However, with the development of the business and the promotion of the farmer micro-finance loans, whose problems are also becoming more and more obvious and have seriously hindered the sustainable development of this business. So it is an urgent problem to be solved that how to use the scientific methods to evade the above-mentioned risks.The paper focus on the risk management of the Lijin rural commercial bank fanners micro-finance business so as to explore the main problems existing in the current Lijin rural commercial bank risk management, and to analyze the risk source of micro-finance business so as to put forward the corresponding countermeasures and Suggestions for Lijin rural commercial bank to manage the potential risks in micro-finance business. First of all, this paper begin from the introduction introduce the research background and significance of this paper, the main research contents and research idea, and the anticipated target of the paper, etc., and then carry on the literature review about the farmers micro-finance loans risk management research from the home and abroad two aspects. Then in Lijin rural commercial bank master the first farmer micro-finance data and on-the-spot investigation and case on the basis of the emphasis on the analysis of the Lijin bank farmer micro-finance business profile and its risk. Then analyze the general situation of the Lijin rural commercial bank farmer micro-finance business and its risk on the basis of the first-hand data and case after has a on-the-spot investigation of Lijin rural commercial bank farmers micro-finance loans business. Then put forward the corresponding prevention and control of risk management advice from the market risk, nature risk, credit risk and operating risk and so on several aspects according to genetic analysis in combination with the practical situation of Lijin rural commercial bank and finally on the basis of above analysis to summarize the problems and suggestions for the prevention and control the potential risks of this developing bank.