In Our Country Topicality The Small Commercial Bank Fords The Agricultural Enterprise Loan Credit Risk To Guard Against Controls The Research

The credit risk management is the current various countries commercial bank risk management core.How does the accurate assurance with guard against effectively controls the bank credit risk, guarantees the bank credit fond security, is a commercial bank’s long-range mission and the systems engineering.In recent years, our country each kind of commercial bank in the credit risk management, the guard and in the melt credit risk has done the massive fundamental research and the practice exploration, has obtained the obvious result and the rich experience, the bank credit property quality distinct enhancement.In the topicality the small commercial bank is one of our country economic restructuring important achievements, their establishment and the development, to a certain extent met our country readjustment of the economic structure need, and has effectively filled Our country Small and medium-sized town and city. Large-scale State-owned Commercial bank because business organization compression brings the market blank, the small commercial bank has satisfied the small and medium-sized town and cities well "three agriculture" the enterprise and rural enterprise’s financing demand. However, as a result of the agricultural industry feeble constitution and agricultural enterprise’s industrial particularity, fords the agricultural loan credit risk to be higher than other industrial ordinary the loan risk, therefore its risk guards against controls has the exploration and the research value, reforms unceasingly in the finance today, how strengthened the bank to ford the agricultural loan credit risk to guard against controls becomes in our country topicality the small commercial bank to enhance the competitive power the key to be at.The small commercial bank is restricted in the fund strength and the regional characteristic, the main service object is a small and medium-sized enterprise, in these small and medium-sized enterprises, fords the agricultural enterprise to be many, at present fords the agricultural enterprise mostly to have the property ratio of debt to net worth to be high, the management stability badly, may make the mortgage the effective property to be few, questions and so on growth potential insufficiency.Facing the management condition stability bad client base, the countryside commercial bank on objective will withstand the more management risk. At the same time, in our country topicality the small commercial bank generally has the one-sided pursue scale "does in a big way" the tendency, in addition fords the agricultural loan proportion to be generally high, from the standpoint of the entire nation, the countryside commercial bank non-performing loan rate is higher than other each kind of commercial bank generally, its latent risk is serious.This article from analyzes in our country topicality the small commercial bank to ford the agricultural enterprise loan credit risk the origin and category obtaining, fords the agricultural loan angle take the small commercial bank as the breakthrough point, carries on the credit risk the theory to comb with the scientific theory analysis, proposed guards against controls fords the agricultural loans credit risk the related measure and the countermeasure, and proposed in the optimization from the bank the small commercial bank credit environment policy suggestion.The paper research may the small commercial bank in ford the agricultural loan domain guard and the control credit risk for our country topicality in provides certain reference and the help, the small commercial bank enhancement and the deepened credit property risk management has certain practical significance to our country topicality in.