Research On The Risk Prevention And Control Of Agriculture Loans To SMEs In Dengfeng Rural Commercial Bank

In recent years, more and more attention to agricultural development, the government has become a guide so that the vast rural market, with the recent decline in the economy, many traditional manufacturing and resource-based enterprises in poor management, have transformation, into the industrialization of agriculture a lot of money, agriculture-related small and medium enterprises springing up everywhere. However, due to the amount of investment SMEs themselves agriculture, long investment cycle, slow, strong dependence policy several features to business risk, Agriculture and Commerce Bank, as the main force to support SMEs in agriculture, vigorously while supporting agricultural SMEs assume greater risk. Dengfeng Rural Commercial Bank is a more typical local small and medium banks, saddled with a heavy historical burden, shouldering the heavy responsibility to support local economic development, in the management and risk control, there are many aspects of the problem, the situation in the traditional pillar industry Dengfeng downturn faster industrial transformation period, the stock of credit risk emerging, new non-performing loans continue to appear, how to better carry out credit investigation and risk prevention and management, banks, businesses, farmers and common development, forming a virtuous circle, will become The key issues.Rural Commercial Bank listed Dengfeng opened nearly two years, the opportunity to reform, adjust business ideas, updated business philosophy, rebuilding the organizational structure, optimization assessment mechanism, improve staff quality, focus on risk prevention and control of credit a lot of work, but also We have achieved initial success. In the paper, the analysis of the local economic situation and industrial structure trends, as well as the industrialization of agriculture growth environment, elaborated Dengfeng Rural Commercial Bank of Agriculture and Commerce Bank in the restructuring process of the risk management measures and experience; in-depth analysis in Dengfeng Rural Commercial Bank's existing stock of loans in risk and risk emerging from both external and internal analyzes the types and causes of credit risk, combined with practical and problem Dengfeng Rural Commercial Bank, in the risk management point of view of Dengfeng Rural Commercial Bank some suggestions and measures. Study and research of this article, I hope you can work on risk prevention and control of Dengfeng Rural Commercial Bank has some inspiration.