Research On Agriculture-related Loans’ Risk Management Of CDRCB

Agriculture-related loans risk management is one important part of Chengdu Rural Commercial Bank Co.,Ltd’s(CDRCB) risk management, and how to identify and control the agriculture-related loans risk efficiently is a longtime and systemic job. In the recent years, CDRCB carried out a series methods to prevent the risks, and got some experience. Because of the specificity of agriculture, CDRCB still face some agriculture-related loans risk to deal with, for example, the risk management sense is low, internal controls is not efficient, customer management is not good and bad loan management is imperfect.This article analyzes the reasons from macro and micro aspects. The macro aspects include the government policies, legal system and market, the paper thinks that, the macro environment is the essential reason. The following, this paper analyzes the micro reasons, including the specificity of agriculture, the structure and management level of agriculture-related companies. The article thinks that, these factors aggravated the risks of CDRCB.At last, this paper give out some targeted advice, such as, improve the internal structure, complete the Agriculture-related loans’ information system and rules, optimize the Agriculture-related loans’ secure methods,strengthen the customer management and performance management.