Based On The Bank Of Rural Micro Credit Risk Management Research

With the continuous development of China’s rural economy, the rural market demand for credit funds continue to increase, and the system of rural credit market is constantly improving. At present, the management center of traditional state-owned joint-stock commercial banks are still mainly concentrated in the urban market, and the rural credit market’s coverage and service efforts are still insufficient. With the credit demand of rural market increaseing, especially the credit needs of farmer’s small loans continue to increase, the contradiction between rural microfinance market demand and supply of microfinance continues to increase. The main factors affecting the delivery efforts of various financial institutions in rural market credit are loan cost, network restrictions, credit risk and so on, but the main reason for the loan risk is still affecting the various financial institutions to small farmers lending enthusiasm.This will be The perspective of bank, selecting the Liaocheng postal savings bank as the research object, studying the main influence factors of farmer’s small loans to bank risk, carrying out the business of micro credit risk prevention and control measures, to carry out rural microfinance market of various financial institutions to provide help. Firstly, sort out at home and abroad on the rural microfinance risk management literature on the basis of the definition of farmer’s small loans, loan risk and other key concepts, related to the oretical analysis of credit risk factors, including the risk of loans, the formation mechanism of credit risk, in view of the domestic and foreign related theories about rural microfinance research analysis, relevant theoretical basis through theoretical research to find out the micro credit risk and the prevention and control of it. Secondly, taking the Liaocheng postal savings bank loans to small farmers as the research object, analysis of chat to carry out small loans to farmers and risk status and existing problems of City postal savings bank microfinance business. Once again, based on the factors of Liaocheng postal savings bank loan risk analysis, risk management issues for Liaocheng postal savings bank. Finally, this paper combined with the status quo analysis and Liaocheng postal savings bank risk management theory, puts forward related suggestions. The risk management includes external environmental risk prevention measures, information asymmetry risk prevention measures, measures of operational risk, and credit risk prevention measures. The author hopes that this study can provide reference for Liaocheng postal savings bank business development, to provide help in the rural microfinance risk prevention and control.