The Study On Farmers Loan Risk Management Of Funan County Branch Of The Agricultural Bank Of China

As a farmer lending support the rural economy, rural poverty and narrow the gap between urban and rural areas, to get the world, especially in developing countries is widely recognized, the last century, China in the early1990s introduced the concept of micro-credit in rural areas, although China started representing rural microfinance late, but after two decades of development, the farmers get loans greater breadth and depth of development, has become the dominant force in rural financial markets, it is an effective solution to the problem of Chinese farmers vast areas of rural development. Farmers loan business is an emerging financial services in China, although the size of loans is growing rapidly, but the business operations and risk management in the exploratory stage, with business development, the accumulation of certain risks which not only affects small farmers credit institutions that commercial banks survival and development, but also greatly hinder the development of rural financial markets, the impact of the "three rural" issues effectively addressed.In order to better foster rural financial market, and effectively promote the healthy and orderly development of farmer loans, commercial banks are required to solve the problems faced by farmers loan credit, market, operational risks in business development, business development appear to solve a series of risk management problems, and these problems are resolved to rely on commercial banks to keep risk management philosophy and risk management to enhance the level of risk management to identify the actual ideas and measures suited to each line of business loans to farmers on this basis.This article in Funan County Agricultural Bank loans to farmers business since its inception in2009the overall development momentum is good, steady growth in loans, customer groups and levels continue to increase, but the attendant risks rising NPLs and NPL ratio increased year by year situation. This indicates that the bank loans to farmers also belong to the extensive operational phase, there is a risk management blind spots in certain areas of business loans to farmers, the lack of effective internal risk management and control of the overall mechanism, whereby risk management study loans to farmers to maintain agricultural Funan healthy and orderly development bank farmer loans have practical significance. In this paper, rural finance and risk management theory, drawing on the experience of other agricultural bank lending practices and risk management maturity farmers interbank lending risk control, using case studies and research method of combining to Funan County Agricultural Bank of farmers microfinance business development and risk management, for example, according to the risk faced by farmers loan business, and classification, identification and analysis, risk control as a starting point on how to control the risks in-depth discussions, the farmers against the Agriculture Bank of Funan Risk Management actual situation, put forward some policies and measures suited to their risk characteristics.This paper is structured as follows, the text is divided into six chapters, the first chapter introduces the research background, purpose and meaning. The second chapter describes the theory, risk management theory and research scholars at home and abroad rural finance, the third chapter is the status of the development of Funan Agricultural Bank loans to farmers and risk analysis, Chapter Ⅳ of the Agricultural Bank of Funan risk management analysis of the situation Chapter Ⅴ presents the implementation of strategies and measures Funan County Branch of the Agricultural Bank loans to farmers for risk management, Chapter VI is conclusions and research prospects.Innovation of this paper is, first, the Agricultural Bank of county farmers lending risk management more in-depth and meticulous research, the establishment of commercial bank lending risk control mechanism farmer made a useful attempt on China’s central and western less developed areas of rural micro-credit Management has a reference, the second is the risk of the situation, the county branch of the Agricultural Bank precautions loans to farmers are in the process of rapid development, aiming at commercial banks in the specific circumstances of a particular branch of the county farmers small loans raised for effective risk Specific measures to control risks, has very important realistic significance and practical guidance.