Research On Credit Risk Management Of Rural Microfinance Loan In Heilongjiang Agricultural Bank

In October 2017,General Secretary Xi pointed out in his 19 th report that in order to achieve sustained and healthy rural economic development,it is necessary to resolutely win the fight against poverty,adhere to accurate poverty alleviation and accurate poverty alleviation,and focus on conquering the poverty eradication task in deep and impoverished regions.Heilongjiang Province,as a large agricultural province in China,has a large rural population,which accounts for 43.5% of the population of the province and 3% of the country's rural population.Therefore,the task of poverty alleviation is even more important.As an effective financial tool for rural poverty alleviation,rural microfinance has greatly eased the difficulties of farmers' loans and the lack of funds,and promoted the development of rural economy and the increase of farmers' income.Agricultural Bank of Heilongjiang Province as the main force to solve the "three rural issues" in the rural areas have the most extensive scale of loans,it is also an important force to improve rural life and increase farmers' income.However,with the continuous expansion of the scale of loans,the Agricultural Bank of Heilongjiang Province has gradually discovered various problems in the credit risk management of rural microfinance.Based on the above background,this paper starts from the management status of rural microfinance credit risk in Agricultural Bank of Heilongjiang Province,and proposes the problems existing in the bank from the perspective of the identification,measurement,analysis,and processing of credit risk,and proposes questions,analyzes problems,and The process of problem solving combined with empirical analysis methods demonstrates the concrete measures to improve its credit risk management.According to this idea,this paper first introduces the research background,purpose,significance,research status at home and abroad,and the research methods and research content adopted in this paper.At the same time,it also explained the relevant definitions of the credit risk management of rural microfinance,explained the characteristics,performance forms,and related theories of credit risk management of rural microfinance loans;secondly,the credit risk management of Heilongjiang Agricultural Bank Rural Microfinance The status quo,including the identification of credit risk,measurement,analysis and treatment of the main use of all aspects of the process and the overall loan process are described in detail,and then the existing links and processes for the Heilongjiang Province Agricultural Bank of rural micro-credit credit risk management problems Conduct specific analysis;then,based on relevant theoretical and literature research results,propose the influencing factors,and use stepwise regression analysis method to combine the micro-loan data of rural areas in Heilongjiang Province to make a significant selection of macroeconomic and microeconomic impact factors,and find a small amount of rural areas.The loan credit risk plays an important role as an indicator.Finally,based on the bank's existing problems and empirical analysis results,it proposes concrete suggestions for the management of rural microfinance credit risk management.The results of this study show that factors such as the number of rural laborers,farmers' cultural status,agricultural production expenditures,and bank loan funding have a greater impact on defaults on rural microfinance.Therefore,based on the above factors,combined with the actual problems of the credit risk management of the Agricultural Bank of Heilongjiang Province,this paper proposes how to reduce the non-performing rate of rural microfinance,including strengthening farmers' information collection,organizing training for farmers and bank account managers,and establishing advanced credit risk measures.Models,legitimate use of financial derivative instruments to disperse and circumvent credit risk and other related recommendations and measures,and then effectively control the rise in rural non-performing loans.