Branch Of Agricultural Bank Of China, Quanzhou The Farmer Credit Risk Management

It is the task of the Agricultural Bank of China assigned by the State Council of Party Central Committee to promote the construction of the socialist new countryside. Especially after ABC has stipulated the principles for the shareholding reform of"turning to agriculture, rural areas and farmers, integrated reform, commercialized operation and taking opportunities to go public. Under these circumstances, microcredit for farmers is a new kind of loan open to the financial market in the countryside. The loan does not require guaranteed mortgage and is convenient to apply for because of being small amount. It satisfies the needs of the financial market in the countryside, thus it is an indispensable part of the countryside finance.Risks come up with the rapid development of the microcredit for farmers. How to prevent the microcredit for farmers from falling into"chaos after issuing and death after chaos"has become an urgent problem to be solved. The microcredit can only sustain its healthy development when proper measures are taken to prevent from and deal with potential risks. It will be of more realistic significance for the commercial banks to issue the microcredit.In this thesis, the author takes the difficulties and problems confronted by Quanzhou Agriculture Bank after issuing microcredit for farmers as the background. Observing the principles of"finding out problems, analyzing problems and solving problems", the author finds out the roots for the risks based on the facts and features and deficiencies of the natural and social environment in the countryside, the countryside market, the farmers and the banks, and draws the conclusions that risk prevention of the microcredit for farmers is a systematic job. Some measures and suggestions have been put forward to prevent from potential risks. Eventually, the author takes the risk prevention for farmers'microcredit of Yongchun Branch Bank of Quanzhou Agriculture Bank as an example in hopes of providing experiences and guidance for the incoming practice. Risks can be effectively prevented only if different relationships are coordinated, which is the key to the problem and also the foundation of this thesis.