Research On Credit Risk Problem And Countermeasure Of Farmer Loan In Agricultural Bank Of China Heilongjiang Branch

Along with the improvement degree of concern and support on the "three rural" from all sectors of society in recent years,farmer loan,as an important means of commercial support for agricultural production and management from financial institution,improves its importance constantly.But in the process of business development,the problem which the farmers' credit awareness is poor and the farmer loan default rate is high has also plagued various financial institutions for a long time,it is also the duty for Agricultural Bank of China Heilongjiang branch to support the farmers with credit funds from its own social and political responsibility.Therefore,how to the problem which not only to achieve the effective delivery of farmer loan,help poverty precisely,promote agricultural production,reflecting the value of the business,but also to control credit risk effectively,ensure the quality of assets,control loan risk,achieve a healthy development puzzles the staff.Based on the background above,this paper attempts to start from the perspective of the credit risk management on farmer loan in Agricultural Bank of China Heilongjiang branch,taking the game model method,literature method,case method,etc.,according to the process which is identifying problems,analyzing the causes and deducing the countermeasures,then draw the conclusion based on the model,And demonstrate the conclusion combined with the theory of literature and business development of the actual cases.According to the researching idea,this paper bases on the domestic and foreign theoretical research firstly,clears the internal and external credit risk on farmer loan,concludes the credit risk problem based on practical cases in order to analyze various challenges faced by Agricultural Bank of China Heilongjiang branch on farmer loan under the background of business development.To analyze the credit risk problem,this paper uses the game theory to attribute the reasons to the subjective and objective sides,then analyzes a series of subjective reasons such as the lack of farmers' production and management ability and willingness,the weakness of farmers' credit consciousness,the weakness of farmers' anti-disaster capability and so on,at the same time,this paper also expounds the reasons of the farmer loan credit risk caused by the objective environment.Then this paper putsforward internal credit risk management countermeasures of farmer loan in Agricultural Bank of China Heilongjiang branch from the loan access,business survey,guarantee strengthening,innovation model,loan management and other aspects,and focuses on the improvement of credit system in rural areas,three right of ownership transfer system and other issues,to make recommendations in view of the existing county regional credit environment for the relevant departments,in order to control the credit risk of farmer loan further,optimize the overall atmosphere of the county farmers loans in the realization of commercial bank profit,then makes a way to solve the problem of “hard to get loan,expensive to get loan”for the farmers step by step.