Research On Agricultural And Rural Credit Risk Management Of CSYHT Sub-Branch In Min Sheng Bank

The main source of business for CSYHT branch of Minsheng Bank is the agriculture and forestry credit business.The total amount of credit facilities for agriculture and forestry credit business was 526 million yuan in September 2017,and the business volume has been in steady development in recent years.Every year,the credit business of agriculture and forestry is in steady development.Head office as "agriculture and forestry specialized branch."Minsheng Bank CSYHT branch of agriculture and forestry credit funds investment area:Changsha and the surrounding area,Wangcheng District,Liuyang City,Ningxiang City and Yiyang area.By analyzing the credit policy of agricultural and forestry industries of CSYHT branch of Minsheng Bank,collecting credit data,conducting field investigation and data research,the author analyzed the risk management of agricultural and forestry credit of CSYHT branch of Minsheng Bank and found that Minsheng Bank credit risk management mainly has the following problems:There are unscientific problems in the formulation of credit policies for agriculture and forestry;there are structural problems in the guarantee of credit portfolio;lack of pertinence in credit management and collection mechanisms;and lack of dynamic risk management mechanism in credit risk management;and the credit risk management process is under-regulated.The causes of the problems mainly include the following aspects:The research on agriculture and forestry industries in the early stage has not been thoroughly studied;the design of credit products is unreasonable;the macro-policies lead to industry risks;the agriculture and forestry businesses have low levels;the credit risk management has not been refined to various regions;and the credit risk management System is not perfect.In order to better control the credit risk,the optimization of credit risk management in agriculture and forestry mainly focuses on the following aspects:According to the development trend of agriculture and forestry industry,the credit risk management strategy of agriculture and forestry industry is optimized;the credit structure is optimized;the credit policy is scientific;The mechanism of credit risk management was dynamic,and the procedure of credit risk management was programmed.The process optimization mainly focused on improving the pre-loan investigation,credit review and post-loan management of agricultural and forestry credit businesses."Zhun" as the main guideline,the loan review to"steady" the word as the main criterion,post-loan management to "ruthless" as the main purpose of the management model.Eventually achieve the purpose of optimizing and improving credit risk management in agriculture and forestry.