Study On Credit Risk Control Of The Micro-finance Of Farmers In Jinchang Branch Of China Construction Bank

The micro-finance of farmers is a very important measure in the rural financial system reform. Along with the reform and innovation of rural financial system in China, the micro-finance of farmers has developed into an important business in the field of rural credit. For a long time, in northwest of China,Gansu province, Qinghai province, Shanxi province, Ningxia province, Xinjiang province and other provinces in the rural areas have faced with the following conditions at the same time:endogenous financing is insufficient, and lack of external capital.The micro-finance of farmers can supply farmers who lack of guarantees a certain amount of credit funds support. The micro-finance of farmers can help farmers to maintain the production and business operation,and it also can promote the development of the rural credit market. At last it can promote the deepening reform of the rural financial system. As an important mean of financial alleviation in the rural area, the regions of rural financial institutions in northwestern areas are doing their best to develop the micro-finance of farmers, in order to promote the farmers’ incomes, rural development, and agricultural progress. But we should also see that with the developing of the micro-finance of farmers, many risks appear. The developing of the micro-finance of farmers risks contain internal and external, subjective and objective risks. These risks influence the development of the micro-finance of farmers to a certain degree. From the perspective of financial institutions, they must take some risk prevention and control measures to realize the sustainable development of the micro-finance of farmers.From the perspective of financial institutions which carry out the micro-finance of farmers, this study explored the risks, as well as the prevention and control of risks of the micro-finance of farmers in the northwest of China. During the research, we selected the Jinchang Branch of China Construction Bank as an example, and study the present situation, the risks of the micro-finance of farmers, and the control measures, etc. At last, on the basis of relevant theories and practical experience at home and abroad, we put forward some corresponding risk prevention and control strategies.