Research On Rural Microfinance Risk Control Of The Rural Credit Cooperatives Of M City In Heilongjiang Province

In recent years, the State stepped up support for the rural economy, year afteryear to the center of the first document put the rural economic development to thevery important position. In the process of rapid economic development in rural areas,financial support must keep pace with the development, in time for the developmentof rural economy dynamism, add fresh blood to the credit leverage to stimulate ruraleconomic development. However, arrived in pressure due to the lack of farmers’loanand guarantee conditions, combined with the rural credit system is inadequate andlack of credit and other issues, banks for fear of the loss of funds has had a"hoarding" thinking, making farmers’loans difficult, farmers loan too hard for abottleneck constraining rural economic development.Therefore, the author of the rural credit cooperatives in Mudanjiang citypeasant household credit farmers the release of the small loans (such as scale is, howmuch coverage of farmer, how do, interest rates, management mode, some majorfinancial index, etc.） based on the analysis of the current risk control mechanismevaluation，from bad loans, and other loans index to see the existing problems, andthen analyses the causes of he present mechanism, and further perfect small loans tofarmers risk control mechanism made the proposal, and put forward effectiveprevention of rural credit risk, increase the strength of the credit loan onfarmers thoughts and Suggestions, looking forward to small loans to farmers andmanagement of risk control play a role.