Risk Management Of Shenyang Y Rural Bank Loans To Farmers

Village Bank as rural financial institutions,newborn,to improve the economic structure of rural finance plays an important role,but the rural banks compared to normal commercial banks,relatively weak competitiveness,limited financing capacity.In addition,the development of township enterprises and enterprise far from large cities,making the development of village banks struggling.Based on this research and discuss how to achieve sustainable development of rural bank has important practical significance.The farmer loan business is one of the main business of village banks,credit risk management is important and difficult development of village banks,how to deal with risk management issues loans to farmers,to rural banks to achieve sustainable development has become a top priority.In this paper,the main village bank loans to farmers as the purpose of business to solve the risk problem loans to farmers is of great significance to the sustainable development of rural banks.Conduct a review of relevant literature and the literature review,organize foreign and domestic research on the status of rural bank risk problem is now to determine the basic ideas and methods of thesis.Taking Shenyang Y village banks,for example,on several aspects of the establishment of village banks before Y,equity ratio,organizational structure and branches,types of business,clients,staff structure for a simple introduction,and its now Some loan programs "stand Music credit","house music credit","MicroLok loan","fixed asset loans","Nongle loan" described in detail.Rural Bank loans to farmers for Y amount,term loans to farmers,farmer loan rates,farmers loans repayment and loan guarantees farmers the way for a detailed description.Shenyang City Y Rural Bank loans to farmers risk management problems were analyzed.There are the following questions: Y Village Bank lacks a sound credit risk management mechanism,the lack of systemic risk management internal control mechanisms,there are still many issues that need further improvement,the lack of scientific approach to credit risk management is clearly village bank risk management major problem is low,overall quality of the relevant business and illiquid.Finally,a detailed analysis of Y village bank loans to farmers in risk management problems and risk management theory,put forward countermeasures binding YVTBs own characteristics and specific risks.