Study On Risk Prevention And Control Of Farmers Loan In HT County Agricultural Bank Of China

Agriculture is the foundation of national development."12th Five-Year" period,the central adhere to the "agriculture,countryside and farmers”as the priority among priorities,and constantly improve the farmers " policy system,has made remarkable achievements in agriculture,is agricultural and rural development in China has a golden period.At the same time,the major banks also follow the pace of the country's agriculture and rural areas,and accelerate the introduction and practice of rural finance business policy guidelines.Agricultural Bank of China as "three rural" state-owned commercial banks,has played an important role in the rural financial sector,whether in business or financial innovation in agriculture,to solve the "three rural" contribute in strengthening the fruitful achievements of rural credit risk prevention and control of the will.Serving "agriculture,countryside and farmers" is the historical mission and responsibility of the Agricultural Bank of china.But we must pay special attention to,along with the rapid development of the bank personal loan business,mortgages,business loans,farmers small loans have different degrees of improvement,the potential credit risk,market risk,operational risk,policy risk and so on are also different levels of exposure,the particularity of the "three rural" business,including the characteristics of agriculture,rural areas and farmers customer itself,the customer is engaged in the industry characteristics,the difficulty of the guarantee way determines the agriculture loan services such as the difficulty coefficient is big,risk is high,how to effectively farmers loan risk assessment and prevention and control,is to improve the peasant household loan availability,the foundation of the development of rural economy,is a good service "three rural" must study important issue.This paper is divided into four parts to study the risk control of HT County Agricultural bank,First understand the theory and related research results at home and abroad,and then combined with the current development status of HT County Agricultural Bank loans to farmers and the internal structure characteristics of farmers loan risk prevention and control situation is shown,to analyze the potential risk of loans to farmers there,then investigated the farmer loan risk evaluation system applied in the practical work of the problems,such as index weight proportion does not reach the designated position,to repeat,incomplete indicators,execution does not reach the designated position,etc.targeted the risk assessment system,which is more specific,more weighted,and more reasonable.Last for innovation to improve the peasant household loan risk prevention and control of internal control and prevention measures put forward rational Suggestions,including the innovation of the peasant household loans the whole process control,and the loans of the operators,the loan business,the customer,system mechanism innovation of elements such as the prevention and control,with a strong logical line throughout the peasant household loan risk prevention and control,in order to provide references for HTcounty agricultural bank management authorities.