Research On Measures Of Yanchen's Rural Financial Risk

China is a developing country that is mainly constituted of the agricultural population. The country resident accounts for the world total population above 15%. The agriculture is our country national economy foundation. If the farmers are rich, then our country will be prosperous. The "three rural" issue is always concerned by China. To provide financial support for rural finance is to achieve income farmers, agricultural development and rural stability, the premise of the strategic objectives.In this paper, Yanchen's rural financial risk's status quo and characteristic as our research object. Based on the theory of rural financial risk, we analyze the development status quo of Yanchen's rural financial risk before learning some management experiences from typical country. Then we point out some questions that exist in Yanchen's rural financial risk. The root causes of these problems are given between systematic risk and non systematic risk. Combined with the current Yanchen's socialist new rural construction on the actual requirements of rural finance, some measurements and advices are put forward to eliminate Yanchen's rural financial risk. Finally that improve supervision is the basis of the Yanchen's rural financial risk.The paper is divided into four chapters. The first chapter is to introduce the rural finance risk. After introduce some notions and characters of rural finance risk, we analysis the main causes about our country's rural finance risk and derive that it is connected with some factors such as the rural economy foundation, rural finance system and politics system. Then we can find that the main causes of our country's rural finance risk include nine factors, for example rural economic development restriction and many problems exist in rural finance organization management and operation. The second chapter is to describe the condition and character of Yanchen's rural finance risk. Based on lots of reference and investigations,we are sure of the performance of the rural economic development, agriculture production and rural finance development in Yanchen city. Then we point out that the finance risk exists in Yanchen's finance. Supply risk is displayed for the imbalance between supply and demand; credit risk exists because of the high proportion of the bad assets; operation risk is shown because the operation power of the finance operation decreases. Compared to the rural finance theory, we analysis the general character and its own character of Yancher's rural finance risk. The third chapter is to analysis the cause of Yanchen's rural finance risk from two aspects:the systematic risk and nonsystematic risk. We emphasis that the lack of stable rural economy foundation is the main root of the systematic risk, and the flaw of rural finance organization governs is the cause of the non systematic risk. Meanwhile rural finance supervision is the common reason. The fourth chapter is to give some advices on how to guard Yanchen's rural finance risk. After studying some lessons about rural finance risk management in America and South Korea, we advice that we should deep property right reform and introduce competitive system to solve the systematic risk of Yanchen's rural finance. And we must speed up the rural finance legislative work vigorously to solve the nonsystematic risk. For the common cause, we believe that the strength rural finance supervision is the basis to solve the Yanchen's rural finance risk.