Research On Risk Management Of Jiangxi Xinjian Rural Credit Cooperatives Farmers Microfinance

In the three major industries, put agriculture as the most important status in our country, the problems existing in the agricultural industry development relation with the overall development of China's future, the problems about agriculture, rural areas and farmers are the attention of our country and we hope can get a good solution. In this environment, rural credit cooperatives has been in the service of our country's rural areas,by issuing farmers microcredit, for farmers to provide funds to help farmers solve financial difficulties, let the farmers out of poverty, improve farmers' economic status in the society.Small peasant household loans the risk in the process of the rapid development of the small peasant household loans also gradually appear, one is because of the rural credit cooperatives financial services provided by the main object is relatively backward area farmers, farmers, loan project risk is high and post-loan management more difficult;Second, compared with other financial institutions, rural credit cooperatives itself exists policy burden overweight, system is not sound, poor internal management were made its credit risk management needs to solve problems, in the process of the operation of the small agricultural credit still has many of the insufficiency of the theory and practice. The main significance of this paper is to through the actual case xinjian county in jiangxi province rural credit cooperatives in the small peasant household loans risk and risk factors existing in the research, summed up the small agricultural credit risk prevention strategy,so that the rural credit cooperatives can better development, promote the scientific development of rural finance.For the above purpose, this article mainly from six parts to research and explore new county rural credit cooperatives small peasant household loans risk management, the first part is introduction, mainly introduced the thesis research background, significance, the domestic and foreign research present situation and the insufficiency, this thesis mainly use the research methods and thesis framework. The second part mainly introduces this thesis need some theoretical foundation and concept definition, there are mainly small peasant household loans the concept and theory of risk management. The third part is about the present situation of xinjian county rural credit cooperatives small peasant household loans,mainly using statistical analysis method to introduce new county small farmers loan scale and market share, small farmers loan product design, small peasant household loans risk compensation three aspects to introduce the new county small agricultural credit. The fourth part analysis the new county rural credit cooperatives microfinance loan risks and causes of farmers. This chapter is mainly about the risk in the new county rural credit cooperatives and the cause of the two parts are analyzed. The fifth part is the new county rural credit cooperatives small peasant household loans risk management countermeasure,through theoretical research and statistical analysis of the previous section, the new county rural credit cooperatives microfinance conduct the thorough research to the peasant household loans risk management, risk management countermeasures are put forward. The sixth part is the new county rural credit cooperatives small peasant household loans risk management research strategies.Based on the existing domestic and foreign small credit risk management theory, on the basis of the new county rural credit cooperatives small peasant household loans risk management status quo of case analysis, with the aim of point to explore with Chinese characteristics of the rural small farmers loan products, and hope can on rural financial reform and the service "three rural" policy thinking and Suggestions and instructional practice of theoretical significance.