L Agricultural Bank Rural Credit Risk Prevention Research

The continuous work of "agriculture, rural areas and farmers", bring good opportunities for the development of rural economy. Rural loans to gradually solve the "SAN NONG" problem and the sustainable development of rural economy has injected strong motivation. Rapid development in recent years, rural loan business, effective support for the healthy development of the rural financial market, bring development opportunity for the rural, funding for farmers to development, to provide economic support for agricultural development. Rural loan business scale is growing rapidly, and the business management and risk management has some negligence and deficiency, make rural loans in at the same time, the rapid expansion of our business to produce a certain risk. The emergence of risk impact on the development of commercial Banks, if they can live safely in the commercial bank put forward the challenge, and bad influence on rural financial market, seriously affected the health of our rural economy sustainable development and the smooth and orderly solve "three rural issues". In order to further promote the healthy development of rural economy, rural financial markets, effectively solve the problem of rural loan business risk, commercial Banks must be found to solve the problem of rural loan business risk effective way. Agricultural bank of China as a large state-owned joint-stock commercial Banks, constantly introducing new service "three rural" related products, including farmers credit become the characteristics of the agricultural bank service "three rural" products. But at the same time, also highlights a lot of problems. Among them, the rural credit risk. As agricultural county branch of agricultural bank L, agriculture, rural areas and farmers service function more highlighted. Rural loan amount is big, involve wide, credit risk is more apparent. L ABC should be more in understanding the status quo of rural loans, loans in rural areas are the credit risk and the rural credit situation, on the basis of analyzing the current situation of credit risk, and combined with the existing risk control index system, formulate improvement measures.This paper consists of six parts, the first part is introduction, this paper briefly introduces the general situation of the era background, the research object of this article selected topic, why did you choose the research object of this paper, the domestic and foreign research results, this paper adopts the research ideas and methods and the main content of this article. The second part from the theoretical level of the paper analyzes the object of study, using the theory of including the theory of asymmetric information, adverse selection, moral hazard, game theory and related concepts and methods. Theoretical analysis for the later in this article a few part of the research process, methods and strategy to provide theoretical support. Embodiment in the third section will be the research object of this article, analyzed the research background of selection object, it L rural agricultural bank loan development situation, present situation of the rural credit risk were discussed in this paper, introduces the bank's existing L risk prevention mechanism, prevention mechanism existing problems and deficiencies. The fourth part discusses pointed out according to the principle of prevention mechanism to improve the agricultural bank of L specific improvement project of rural credit risk prevention mechanism. The fifth part combining the specific situation of the agricultural bank, L on rural credit risk prevention mechanism for the implementation of the improved scheme are discussed. Sixth part for ABC L rural credit risk prevention effect of the improved scheme evaluation and feedback, and combining with the evaluation results show the improved scheme of deficiency, further improving measures are put forward. This article innovation mainly reflects in:in this paper, from the micro level in rural agricultural bank loan credit risk L case as the research object, analyses the present situation of the rural credit risk, the causes, and accordingly put forward rural credit risk guard against operational and targeted stronger, to provide theoretical support and Suggestions, on the research content more forward-looking. At the same time, from the strategic orientation and concept is different from the other joint-stock Banks, more is the agricultural bank of characteristic agriculture, rural areas and farmers in combination with other bank's risk management to find the direction of the rural credit risk prevention and measures, so as to set up your own actual rural credit risk prevention mechanism, and provide reference for commercial Banks to establish the related mechanism.