Study On Risk Management Of Rural Land Contract Right Mortgage Loan Of Xin Jiang W Bank

At the present,the central government has issued a policy to demand that the mortgage loan business of rural land contracting right be carried out pilot work in some areas to explore new financing channels for agricultural production and operation.The contracted management of rural land mortgage as rural financial innovation,is not only beneficial to promote the development of the scale and modernization of agricultural production,also can improve the level of household income and profits.But right to the contracted management of rural land mortgage has significant difference between the two,with general mortgage collateral as rural land management in the business,in addition to general mortgage risk credit risk,also face risks and agricultural production and operation aspects of mortgage risk,the risk is more complex and special,therefore,the risk management research of farmland management of mortgage loan business has an important practical significance.Xingjiang W bank has ventured to explore the new path of rural land management mortgage loan,which has been implemented since 2010,and has achieved certain achievements in the introduction of "rural land mortgage loan".But at the same time,with the further development of the business,the loan risks of W Bank are gradually increasing.Based on the existing literatures,this paper studies the risk management of mortgage loan of rural land contract management in W bank.In this paper,based on the theory of risk management and mortgage-related,first of all to the bank to the contracted management of rural land mortgage business situation and analyzing the present situation and problems of risk management,and combining the agribusiness banking business to carry out the situation of the mortgage risk identification;Then,the risk assessment index system is established according to the risk source,and the index weight is determined by the analytic hierarchy process,which evaluates the risk of rural land contract operation.Finally,put forward the corresponding risk prevention countermeasure.Through the study of this article the rural land contract management mortgage of W bank mainly face legal risk,the borrower risk,collateral risk and operational risk within Banks,this article embarks from the actual,basic situation from the borrower(age and health,level of education,labor,personal credit registries),the borrower solvency(annual income,total assets,funds usage,operating activities vulnerability)and collateral related factors(collateral,area and position of the ownership and disposal facility,value evaluation error)three levels to choose 12 indicators,and USES analytic hierarchy process(ahp)and calculate the weight of each evaluation index,build a W lines the contracted management of rural land mortgage loan risk evaluation system.And perfect the contracted management of rural land mortgage related laws and regulations,strengthen credit management to farmers and agriculture operators,enhancing risk management on the mortgaged property,speed up the promotion system of agricultural insurance,risk prevention countermeasures,in order to realize W bank effective management the risk of rural land contract management mortgage,promote the long-term development of the rural land contract management mortgage business at the same time.