Study On The Risk Control Of Micro Credit For Farmers

Adhering to the "three rural services" principle, rural commercial banks has been the main force of the identity of rural finance, agricultural economic development in our country, do everything we can to increase farmers’ income. Special services to farmers of financial products- Rural Microfinance business in rural finance and rural economic development process, in the fulfillment of social responsibility, has not ignored. Adhering to the "to serve the public social returns" business philosophy, since Manzhouli rural commercial banks established in the Rural Microfinance Development, out of the characteristics of the road; in service levels and business strength, has a very good performance. Of course, in the face of the results there are also some problems, such as credit quality and risk and so on. Long-term development, various problems have a direct impact on the status and development path of survival of rural commercial banks.In this paper, the status quo Manzhouli rural commercial banks as the research object, using the case study method, data analysis and literature analysis, a study of farmers microfinance for rural commercial banks Manzhouli, research issues, including farmers microcredit operations and the existence of problems that may lead to financial risks and risk control.Firstly, rural commercial banks through Manzhouli Microfinance risk research background, purpose and significance elaborate, propose the necessity and the theory of this study, the actual value. In a literature review of the way, combing through the literature, analyzing the present situation of small farmers credit risk research, build the overall technical direction and research ideas, put forward at the same time this article possible innovation and insufficient points. By way of theoretical concepts, elaborate theoretical concepts related to farmers small loans, including its connotation, extension, risk control objectives, concepts, procedures, and principles, and so on, through detailed conceptual and theoretical explanations, rich content of the full theory, laying theoretical basis, substantial arguments argument.Secondly, through case analysis, to the credit status of small farmers Manzhouli rural commercial banks as an example, analyzes its existing problems, the results achieved and the risks inherent in them. Depth analysis of the mode of operation of Manzhouli Rural Commercial Bank Microfinance operations, and analyze every aspect of business operations, step potential risks that may exist in its mining could lead to the risk of internal and external factors.Again, the success of East Asian countries in order to Microfinance risk control experience as the template, respectively, farmers in Bangladesh, Malaysia and Indonesia, the three countries of the successful model of microfinance elaborate, propose it may become Microfinance related risk control Enlightenment and Reference.Finally, the actual situation and problems on the basis of the theoretical concepts, case studies,combined with the successful experience from abroad, aiming to strengthen the Manzhouli rural commercial banks and even rural commercial banks across the country, the ability to farmer credit risk control, propose effective countermeasures and suggestions. Through systematic summary conclusion, future trends and directions.