Reserch On The Operational Risk Of Farmer Loan In CC Branch,ABC

The issues related with agriculture，farmer and rural area，have respect to thedevelopment of the CCP and Chinese government，meanwhile solving the three ruralissues is the most important work for them. Rural finance is the core of the modernrural economy．For realizing the agricultural development，rural prosperity andincreasing farmers income，a lot will depend on the strong support of Ruralfinance．Over the years，CC branch， the big commercial bank being responsible forthree rural service，implements the central authorities on rural policy，gives full playto the traditional advantage of services in rural areas，and actively explores effectiveservice for agriculture organization system， operation mechanism and specificmeasures．However，with the rapid development of farmer loan，there are severalproblems of CC branch’s farmer loan appeared，especially non-performing loansincreased sharply．Without effective farmer loan risk controlled，it will seriouslyrestrict the initiative for CC branch of supporting farmer．As a result it is bound torestrict the development of farmer loan，and directly affects the construction of newsocialist countryside．First，the problem of the operational risk of farmer loan in CC Branch isdescribed by control process，control subject，control organization system and controlenvironment construction．Second，the cause of the operational risk of farmer loan inCC Branch is analyzed from control process (institution system,managementsystem,operationmechanism,credit operation),controlsubject (people,ideas,qualities,abilities),organization systemand environment construction(policy environment,naturalenvironment，market environment，credit environment) and other aspects．Throughanalysis，we have a clear understanding on the problem of the operational risk of farmer loan in CC Branch and lays the foundation for the improvement of the next step.Through the analysis of the operational risk of CC branch’s farmer loan, this thesis has proposed the concrete improvement measures:First, CC branch should establish and improve the operational risk process system, in accordance with subdivision principle in the whole process of loans issued to control and the application of suitable operational risk measurement method through the pro-loan investigation,loan origination,post-loan management,operational risk warning mechanism,the operational risk measurement, risk management of organizational structure; Second, CC branch should strengthen operational risk subject consciousness, create a high-quality customer manager team through the establishment of mechanisms for dynamic client manager,client manager training mechanism,risk management mechanisms; Third, CC branch should strengthen the construction of risk management system through the risk level management construction and responsibilities,internal control methods,information sharing, three defense construction,audit system construction and other aspects. Last, CC branch should create a good social environment for farmer loan through improving the internal control mechanism, implementing the credit classification approval responsibility, strengthening the implementation of systems, improving the credit environment, building the rural financial organization syste m, perfecting the rural financial organization system with matching security mechanisms and other aspects. These measures are practical, maneuverability is strong, and has the very good instruction to prevent the operational risk of farmer loan.