Research On The Risk Management Of Poverty Alleviation Microfinance

As an important part of rural finance,rural poverty alleviation microfinance is very important to support and promote the development of agriculture,rural areas and farmers.Increase funding for poor farmers credit,is to implement the general secretary Xi Jinping of poverty alleviation and development strategy,the implementation of the CPC Central Committee,the State Council on innovation mechanism,and promote the work of poverty alleviation and development,an important measure to implement the national precise poverty alleviation.After more than ten years of development,poverty alleviation microfinance as a kind of inclusive innovation arrangement,effectively alleviate the problem of farmers financing,It has played an extremely important role in the construction of new countryside.Local legal person financial institution represented by rural credit cooperatives is the most important supply subject of rural household poverty alleviation microfinance.But affected by a variety of factors,the current level of credit risk management is still lagging behind,Limits its healthy and sustainable development.This paper based on the significance of Farmer Microcredit to the "Three Rural issues" development,Based on the current domestic and foreign research results about the risk management of small loans,Yinan County Rural Credit Cooperatives as the research object,Through literature reading,field research,quantitative and qualitative analysis and other methods,First,it analyzes the business variety,development scale and the status of asset quality and risk management of the bank's poverty alleviation microfinance.And then analyzes the risk management in the organizational structure,internal control mechanism,credit rating,risk assessment and early warning,incentive and restraint mechanisms,such as the existence of the main problems.Finally,it puts forward some suggestions on optimizing the risk management of rural credit cooperatives in rural credit cooperatives in Yinan county.Through the research of this paper,It is helpful to understand the main system defects of the credit risk management system of rural credit cooperatives,It also provides a systematic and universal solution to the effective strengthening of rural credit cooperatives in the process of restructuring and transformation,This provides some useful inspiration and reference for the healthy and sustainable development of the business.