The Research On Loan Risk Managment Of Farmers In XinHua Rural Commercial Bank

At present our country commercial banks' loan risk problems,compared with foreign commercial Banks in China,its non-performing loan ratio is relatively higher,especially the rural commercial bank of our country.Due to historical reasons,in the rural areas of rural commercial bank on the management and operation system is relatively backward,most of the bank's non-performing loan ratio remains high.Bank service object is mainly concentrated in the "three rural ",the peasant household loan have a higher risk of bank,the reasons for the formation of risk mainly comes from the lack of bank loan risk management inside,market volatility and economic policy adjustment,and the farmer's basic credit level factor,etc.Studying risk prevention ways of peasant household loan are significant to deepening rural financial services,and promote rural financial support to local rural construction is of great significance.Based on the analysis of xinhua rural commercial bank of farmers loans risk present situation and causes of the farmers loan default risk management countermeasures and Suggestions are put forward.First introduces the basic situation of xinhua rural commercial bank,including the organization structure and business types,etc,and then through the analysis of the case,it is concluded that the main causes of the farmers loan risk of Bank.Secondly,selects the ten factors of Reflect farmers basic credit situation,by building a binary Logit model and analyzes the effects of these key factors on the peasant household loan risk.the results showed that the householder age,the total number of family,workers,whether to have a spouse,head of the household loan capital USES factors such as all have significant effects on peasant household loan defaults.Finally put forward the corresponding risk management countermeasures from the farmers loan risk management system perfect and optimization design,attaches great importance to the bank loan management personnel training,and improve the rural credit system construction,etc.