Risk Management Research On Two Rights Mortgage In Rural Commercial Bank Of Yingtan

In recent years,the problem of agriculture,rural areas and farmers has been the concerning focus of all sectors of society,when capital scarcity is a bottleneck to solve the three rural issues.The outstanding performance of capital scarcity is the difficulty of farmers' financing.Rural land contract management right and farmers' housing property rights(hereinafter referred to as two rights in this paper)are the most important property of rural residents,so the transformation of two rights,also known as mortgage loan of two rights has become the key point to solve the financing difficulties of rural residents.In order to protect the rural land usufruct,to give farmers more property rights,to deepen rural financial reform and innovation,and to effectively revitalize rural resources,funds,assets,central and local government promulgated the agricultural and agriculture policy,including the mortgage loan of two rights reform policy.Yujiang County,Yingtan City,Jiangxi Province,is the pilot area of rural Land contract management right mortgage,and Guixi City,Yingtan City,Jiangxi Province,is the pilot area of farmers' housing property rights mortgage.As the largest local corporate bank institutions,Rural Commercial Bank of Yingtan carry out the two rights mortgage loans,in order to boost precision poverty alleviation,revitalize rural sleeping assets,help rural development.But at the same time,it also exposed the difficulties and problems that need to be solved urgently in risk management.Based on the in-depth analysis of two rights mortgage loans in Yingtan city,this thesis deeply analyzes the causes of risk and present situation of risk control,investigates risk management tools,in order to effectively control the legal risk,market risk,credit risk,operational risk,reputation risk and reputational risk when effectively optimize the allocation of resources,and achieve a win-win of the economic benefit of the bank and social benefit.