Study On The Optimization Of The Risk Management About Farmers' Micro Finance In Hunan Pingjiang HSBC Rural Bank

Since China Banking Regulatory Commission(CBRC)adjusted and relaxed the access policy of banking institutions in rural areas in 2006,China's rural areas have begun to set up rural banks.As a symbolic financial services for local economic development and serving "agriculture,rural areas and farmers",the micro credit is an effective way to solve the financing problems of local farmers and low-income groups.However,with the rapid development of micro credit in our country,the various types of risks exist,and the problem of "high risk and difficult management" of micro credit becomes an urgent problem to be solved.To solve this problem is not only the need to promote the healthy and sustainable development of micro credit business,but also to promote the construction of the county economy and the needs of China's new rural construction.This paper analyzes the existent main problems of the farmers micro credit development status of Hunan Pingjiang HSBC Rural Bank,and has a pertinent study as well as the causes analysis of the main facing risks of the rural micro credit,which include credit risk,operational risk,market risk,legal and compliance risk,interest rate risk.Then specifying optimization principles and objectives of risk management scheme of Hunan Pingjiang HSBC rural bank,giving the corresponding optimization scheme based on the main facing risks of the micro credit.The optimization scheme of credit risk includes upgrading optimization scheme of the borrower's credit consciousness,optimizing the repayment ability system,upgrading optimization scheme of the before-loan survey process,upgrading optimization of the after-loan management process,optimizing the collection management process;operational risk management optimization scheme including the optimization of personnel management,optimization evaluation system,optimizing the credit investigation process,optimizing the loan operation flow,optimization of anti-fraud investigation mechanism;business and market risk management optimization scheme including the establishment of information sharing mechanism,industry early warning mechanism,and industry access mechanism of customers;legal compliance risk management optimization scheme including the optimization of all kinds of contract management,establishing customer complaint mechanism,establishing collection outsourcing and cooperation mechanism,establishment of loan granting review mechanism;interest rate risk management optimization scheme including the establishment of differentiated interest rate policy,and the interest rate policy incentives.Finally,in order to ensure the effective implementation of the micro credit risk management optimization program,the paper puts forward the effective implementation steps and safeguards,so as to improve the overall risk management level of Hunan Pingjiang HSBC rural bank.Based on the actual development situation of small credit of Hunan Pingjiang HSBC rural bank,and combining the requirements of the development of modern banks to the overall risk management,the research and suggestions of this paper can provide a reference for the managers and related departments of Hunan Pingjiang HSBC rural bank..