Study On Financial Institutions' Biological Assets Mortgage Loans Risk Evaluation

In recent years, with the development of “agriculture, countryside and peasants” modernization continuously strengthen, rural construction fund demand increased rapidly, but it's difficult to finance due to lack of collateral and the “dilemma” problem seriously hindered the development of rural finance. At this point, arises at the historic moment of biological assets mortgage business as a great innovation in rural financial financing catch the eyes, and then the state actively set up a pilot trial and promotion of the business, and constantly find problems, summarizes the problems in the promotion, finally to solve the problem, in a constantly improve biological assets mortgage financing mechanism construction, This article embarks from the moral level, through to the biological assets mortgage loan default risk factors in-depth research, and combined with empirical analysis, in order to make suggestions against the risk prevention and management of financial institutions so that to further promote the innovation of the rural financial development.In this paper, the core content is divided into three parts: the first part introduced under the background of rural finance, biological assets mortgage, as a new business, due to the particularity of the lender, the mortgaged property, and financial institutions make the business there are a number of basic risk and special risk, the existence of many default factors lead to the complexity of the business risk assessment and management.The Second part using theanalytic hierarchy process(AHP) to biological assets mortgage loan default risk factors existing in the hierarchical analysis, in the lender, the mortgaged property and financial institution factors three aspects, through the establishment of default risk index system to evaluate its analysis, finally in the form of risk early warning system to build one for biological assets mortgage default risk evaluation system. The third part by combining expert questionnaire and Shaanxi YangLing demonstration zone of peasant household survey data on default risk evaluation system built by empirical analysis, finally it is concluded that YangLing of Shaanxi province area farmers average risk of default, and targeted to the corresponding risk prevention and management.Finally, based on the perspective of financial institutions, in view of status quo of biological assets mortgage default risk management in China, from strengthening the construction of the financial institution itself and the external development two aspects put forward relevant policy Suggestions, in order to provide help to the development of the business, so as to promote the innovation and development of the rural financial market.