XR Rural Bank Agricultural Loan Credit Risk Case Analysis

Since the 1978 reform and opening up, China’s economic aggregate increased year by year, has been ranked second in the world, however, a growing gap between urban and rural areas, more and more countries attach importance to rural issues. December 20, 2006, China Banking Regulatory Commission issued the "Opinions on adjusting and relaxing rural financial institutions with banking policy, and better support for building new socialist countryside," and proposed the creation of "rural bank" and other new-type rural financial institutions. In this favorable environment, rural banks mushroomed rapid establishment and rapid development, has a certain size and industry position. In the very period of socialist new countryside construction, rural banks as a new force, not only improve the network coverage of rural finance, rural financial services to make up for the vacancy, and also to some extent, solve the difficult problem of financing farmers to further improve the financial architecture of rural areas.In recent years, to promote rural economic development, the Chinese government issued a series of pro-farming, agriculture, benefit agriculture policy, spawned a large number of rural financial institutions. Since 2007 Yilong Huimin Rural Bank since its establishment, China’s rural banks experienced a very long time veteran, finally forming a new competitive landscape of rural finance. Rural Bank as a new thing, it reflects not only the establishment of exploration and innovation of China’s financial system on the richer the concepts and tools of banking supervision. However, due to the bank’s own underdeveloped village, farmers credit consciousness and the impact of the external environment and other factors, so that rural banks still face significant credit risk.In this paper, XR rural banks, for example, to the Agricultural loans of credit risk as the research object, the paper is divided into four parts:The first part is an introduction, the main contents of the research background, significance, research content, research methods and innovation point and inadequate; the second part describes the basics of the Agricultural loans of rural banks and credit risk X County economic development; the third part describes the case, introduces the integration of X County Agricultural Loan business rural banks and listed aquaculture farmers loans wholesale and retail case of loan default risks; fourth part is the case analysis and suggestions, through the Agricultural Loan analysis rural bank credit risk, find the rural bank Agricultural loans of credit risk in the problems and proposed scientific and effective, targeted suggestions.