Risk Management Research Of The "Agriculture Loans"in A Bank B Branch

Agriculture, rural areas and farmers problem is a relationship between a vital important problems of our country for a long time, the state practices a series of policies for agriculture, rural areas and farmers problems, one is solve the problem of financing difficulty of rural areas, do a good job in work related to agriculture, rural areas and farmers loans.Commercial Banks in order to response to the call of national financial support to agriculture, rural areas and farmers is generally increasing capital investment for agriculture, rural areas and farmers category, work and neat as agriculture, rural areas and farmers loans series, covering the individual services and corporate services.In the process of opening up agriculture, rural areas and farmers in the commercial bank loans, rural economic nature caused a series of follow-up questions followed, loans to agriculture, rural areas and farmers high defective rate for commercial Banks to falter.Rural credit loan quality is poor, slow loan growth, higher risk in order to become a sticking point, agriculture, rural areas and farmers loans difficult to further development.This article namely take A bank B branch as the observation point, from agriculture, rural areas and farmers loans grass-roots work, this paper combined with my working practice experience, summarizes three agriculture loan in the bank’s development situation, existing problems and solutions.Through the summary of the data bank, the risk control methods of induction, the quality of loan assets, an objective analysis of the cause of agriculture, rural areas and farmers loans, and puts forward basic solution.