Risks And Prevention Strategies Of Loans To Farmers

China’s commercial bank loans to farmers is important loan products for rural markets, rural areas subject to credit and market environment, there has been a farmers’ loans, commercial banks difficult issues such as risk management and control. Agricultural Bank of China in 2008 began development loans to farmers for the rural market, business, design introduced varieties farmers small loans, the loans to benefit farmers card as the carrier. Since then more than two years, the Agricultural Bank loans to small farmers the rapid expansion of business scale. Over the same period, loans to farmers of other species, such as rural new home loans, personal production and business loans, mortgage loans forest rights, land use rights mortgages were also launched. Commercial operation of the Agricultural Bank for Agriculture and services combined, the development of state-owned banks in rural financial market has made bold attempts. But in the developments, there have been exposed to the risk of accumulation of problems. How to solve the relationship between risk management and sustainable development of loans to farmers to become market-oriented rural services Agriculture Agricultural Bank of urgent problems.Taking S County Agricultural Bank survey analyzes the extraordinary development of the Agricultural Bank of S County since 2008 experienced farmers loans, exposure to risk concentration, stagnant development process into three stages of development. Agricultural Bank loans to farmers for agriculture, rural services played a positive role for the Agricultural Bank to consolidate the market position of the county to make a greater contribution, but due to the risk of problems in the development of farmer loans, resulting in the sharply term business. Author credit factors, market factors in four areas, internal operations and institutional policy factors and other factors described in detail the specific forms of loans to farmers and the causes of risk. On the basis of the analysis, propose solutions to the Agricultural Bank loans to farmers risk control strategies, restructuring and development, one should take the road of intensive development of the scale of operation, and from the implementation of the "quadruple project" development strategy, through the "1+N +1 "development contiguous centralized model, establish incentive and restraint mechanisms flexible unified assessment and propose concrete measures and mechanisms for product innovation in the implementation of four loans to farmers; the second is to do specific prevention and control work, from prevention because credit propose a solution and take factors, market factors, internal factors affecting the operation of the corresponding credit risk measures on how to deal with risk issues specific facts give advice.