Study On The Riskfactors And Counter Measures Of Farmers Micro

In the economic development of our country at present,the rural economy is still the basis of our country’s economy,it’s decided to provide financial services of rural commercial Banks,rural credit cooperatives in the important role of the financial system in China.Farmers microcredit loans as a rural commercial bank in recent years to support the "agriculture,rural areas and farmers and small micro economy development the important financial products,gradually became the coordination of urban and rural dual structure adjustment and promote the development of urban and rural integration of the catalyst.With the market economy and the development and perfection of modern finance mode,competition between Banks,at the same time in the Internet finance,marketization of interest rate and deposit insurance system under the impact of various factors,such as farmers microcredit loans has evolved gradually from a single focus on public welfare as the public welfare and profitability simultaneously.Good economy under the new normal,how to solve the farmers of microcredit loans to public welfare and profitability and the problems and make it sustainable development,has gradually become the root of rural rural commercial Banks,rural credit cooperatives are facing an important subject.This article take the literature research,theoretical analysis and empirical analysis are studied.Through reading related books,literature,academic papers at home and abroad,the related theory of small farmers credit system arrangement,insight into the farmers of microcredit loans credit risk factors and the credit risk assessment method,provide strong theoretical basis for the empirical analysis of this article.By choosing anji rural commercial bank as a sample case,by adopting the combination of qualitative and quantitative researches in way,explore the farmers of microcredit loans risk prevention and control of the means and methods,for the development of rural commercial bank farmers microcredit loans to provide good advice.In anji rural commercial Banks,the empirical analysis of 1016 small families of multivariate linear analysis,as a typical sample of microfinance element and household characteristics study of the effect of credit risk,the author proposed to more specific and actual problems,thus to put forward the targeted solution,for the writer of the article provides the empirical basis.