| As is known to all,eight division at present for the teacher city combination system,perfecting the farmland irrigation water system and the good soil and water and heat conditions,make shihezi natural has the advantage of the farming and animal husbandry.And XG branch is the earliest herd bank branch of shihezi land reclamation area of the oldest banking institutions,in XG branches exposed the typical cases of peasant household loans overdue in shihezi this big financial environment under the background of more representative.As the improvement of people’s living conditions,long-term since the concept of "money first,consume after" change,can accept use tomorrow’s money today’s dream.And state support for agriculture,rural areas and farmers business increase,the peasant household loans in shihezi agricultural areas is very important in the rural financial,shouldering many social responsibility,is an integral part of China’s financial development.With increasing economic development,the financial needs of shihezi land reclamation area is becoming more and more rights,loan risk problem also gradually exposed with the passage of time.Therefore,in order to pursue operating results,achieve the goal of profit growth,control the loan risk of problem solving is imminent.This is both the banking institutions in the country’s financial system reform in their own development needs,also need to improve rural financial environment optimization.Around the peasant household loan,this paper firstly the peasant household loans and risk management related documents at home and abroad were reviewed and comb,closely related to the loan risk management theory is studied,including the information asymmetry theory,credit rationing theory,comprehensive risk management theory,etc.,for the peasant household loans analysis theory.Secondly introduces the XG branch of peasant household loans risk profile and risk management problems,from XG branch of peasant household loans the basic situation,including the risk profile and peasant household loans the typical cases,analyses the XG branch of peasant household loans the main problems of credit risk and risk management.The use case analysis again,this paper analyzes the influencing factors of peasant household loans.Finally,in view of the peasant household loan risk control of shihezi land reclamation area,this thesis presents from perfecting the credit risk management mechanism,improve the trade cooperation mechanism,build the risk management mechanism,improve the ability of peasant household management,standardized operation risk management consciousness,strengthen risk management effectiveness and optimize the market risk management system,to set up the difference between the credit system,encourage agricultural insurance business,as a whole the bank’s risk management ability and so on several aspects of peasant household loans risk control,in order to effectively controls the peasant household loan business,the risk of XG branch loan business loan decision-making to provide the reference. |
