Study On Risk Evaluation And Prevention Of Rural Credit Card Business Under The Background Of Precise Poverty Alleviation Policy

The basis of social harmony and National People's life is thriving and prosperous ease,so our goal is "13th Five-Year" during the period of building a well-off society,the number of clear poverty,especially in rural areas the population to fully cleaning.To achieve the goal of poverty in rural areas,the state and society indispensable financial support to revitalize the rural areas.The development of related industries through high economic support,allowing farmers to increase the income of more than one grade.But the commercial banks for their own interests,few farmers willing to provide financial support,the two characteristics of farmers' lack of collateral and the single fund demand of small,so out There are a small number of revolving credit function typical unsecured personal unsecured revolving credit products-credit cards seem to be able to make up for these problems,can take root in China's rural financial marketsThis paper starts from the current situation of China's financial poverty alleviation,combing the domestic and international financial poverty alleviation theory.This paper analyzes the nature of the credit card,which is a kind of revolving cerdit loan product,which can solve the problem of unsecured "credit difficult".The concept of "rural credit card" is put forward.The goal orientation of rural credit card is a special cerdit card function,which is specially designed for the rural market.And with long period and fixed interest free installment fee is low,emergency withdrawals within the stipulated time,use of a varitey of good repayment without interest can be derived for long-term loans and other unique features can be used to enrich the rural poverty alleviation funds.It is a innovative financial products.Then the paper discusses the twomodes of operation of rural credit card: new rural cooperative overdraft overdraft credit card,family as a unit credit card.Then we make a questionnaire survey in view of the farmers' credit demand,the degree of the respondents' understanding of the credit card and risk.According to the survey sample,the rural credit card risk evaluation system is set up,and the scientific risk assessment method is adopted to evaluate the risk of rural credit card.Based on the evaluation results,the corresponding countermeasures and suggestions are put forward:in the whole society to promote the advanced credit risk management philosophy and culture,strengthen the rural credit card holders of the wind Risk consciousness,credit consciousness,so as to construct a comprehensive and systematic pattern of rural credit.Banks need strict approval of rural credit operations,the use of credit tracking and feedback,by guiding the farmers to buy rural credit card insurance further on credit card risk compensation.