Research On The Risk And Control Of Farmers Small Loans LZ Rural Commercial Bank For Example

For a long time, rural commercial bank as the mainstay of rural financial service "agriculture, rural areas and farmers and the community" as own duty, for increasing farmers' income, agricultural production and rural economic development has made outstanding contributions. Farmers microcredit business as capital requirements for farmers, the rural financial service of loan products, in the rural commercial bank the pursuit of economic efficiency, to fulfill social responsibility county rural economic development, support, etc., has a vital role; The quality of the farmers small loans and risk control level, directly affect the rural credit cooperatives survival and development. Rural Commercial Bank of LZ since December 2010 restructuring, adhere to the "agriculture, rural areas and farmers and the community, small and medium-sized enterprises, the county economy" market positioning, lending priorities support farmers, individual industrial and commercial households and agricultural enterprises, give priority to support the green economy, low-carbon economy and circular economy; To strengthen internal management, perfect mechanism, product innovation has achieved rapid development. But in practice, farmers microcredit business risk problems still outstanding, the risk prevention and control has become the operation of the bank credit assets business priorities. So to explore farmers small loans risk prevention and control method of science, avoid farmers microcredit business risk, is very important to agriculture and the development of commercial Banks.This paper takes LZ rural commercial bank as an example, mainly from the status quo of rural microfinance with analysis of the internal and external risks and business development of LZ rural commercial bank loans to small farmers obstacles. First, this paper introduces the agribusiness faced by farmers microcredit bank internal and external risks, management present situation and causes of the problem. And then according to the existing problems, proposed the rationalization Suggestions for improvement, including for Banks' internal risk control Suggestions for improvement and external security measures. Internal improvement Suggestions including adjust the structure of organization and management, the promotion of small micro lending technology, optimize the product design, to strengthen the construction of human resources, the improvement of peasant household credit rating, etc.; External security measures include strengthening government interest, establish insurance fund, promoting the construction of credit environment, improve the level of informatization, etc.Through this article research, to compare the system to know agri-businesses bank faces various risks and to take Suggestions for improvement. This advice, although it is based on the Commercial Bank of LZ, but also has a certain universality, to control the agribusiness farmers microcredit bank risk, and promote the new rural construction, has a certain reference significance.