The Study Of Credit Risk Factors Of Rural Financial Institutions In China

"Three agriculture" problem has become the most important step in the process of building a harmonious society in our country. Its urgency and gravity has caused the social resonance. Promoting the development of the modernization of agriculture is one major succeeding task of the industrialization, informationization, and urbanization. In the process of China's agricultural modernization development,support of rural financial has closed relations with the agricultural comprehensive production capacity, the transformation and upgrading of agriculture, getting perfect agricultural production system, and farmers income. As the main body of rural financial service supply in China, rural financial institution's ability to control credit risk has relationship with the supply of rural financial services in China, even directly affects the effect of financial support policy of agriculture in our country. Therefore,studying the influence factors of credit risk problem of rural financial institutions in our country, is not only beneficial to realizing our own development, but also help reduce financial repression in rural financial market in China, so as to promote the positive interactive between the rural economy and rural finance in China.Based on the above realistic background and the need of the reform of rural financial institutions in our country, this essay sets influencing factors and control of credit risk of China's rural financial institutions as the research object, uses the rural related finance theory, institutional economics, macroeconomics, and risk management theory, and constructs an entire frame which contains two aspects of peasant household credit default and external factors, and choose the combination of micro and macro risk research perspectives. On the one hand, this essay process descriptive statistical analysis and Logit regression model by the survey data; On the other hand, combining with the available statistical data, and using panel data model,analyzing the external environment impact on the credit risk of China's rural financial institutions, in order to grasp the impact mechanism of rural financial institutions to credit risk factors, and attempts to put forward relevant policy Suggestions to improve the current situation of rural financial institutions in our country.The structure of the text and the main content is as follows:The first chapter, introduction. From two aspects of theory and reality in this chapter elaborated the selected topic background and significance, and on the basis of the research results of scholars both at home and abroad were summarized, so as to form the research ideas and research methods of this article, finally introduced the article puts forward the innovation place.The second chapter, theory analysis of financial institutions to credit risk control.On the basis of the definition of credit risk related, using relevant theories to analyze the key elements of rural financial institutions to credit risk control, the rural financial institutions to credit risk as the credit risk of default by households and macro environment as a result, the effect of both based on the analysis of these elements,constructed credit risk factor control theory model about the rural financial institutions, which provides the theoretical foundation for subsequent research.The third chapter, the present situation and problem analysis of our rural financial institution's credit risk. This part illustrates the current rural financial institutions in our country and existing problems of credit risk control.The fourth chapter, China's rural financial institution's influence factors and the empirical study of credit risk. Respectively from the angles of micro and macro analysis of the peasant household credit default and the external macro environment's affection on credit risk control of rural financial institutions.The fifth chapter, the article's conclusion and policy recommendations. About the above research respectively from two aspects about the farmer's credit default risk and optimizing the outside environment of financial institutions and put forward the corresponding control of rural financial institutions to credit risk policy Suggestions.