The Study Of The Differential Impact Factors Of Microfinance Risk Of W Rural Commercial Bank

The microfinance of rural households was introduced into China's rural financial market in the 1990s.However,in recent years,the microfinance risk of rural households has become more prominent,affecting the sustainable development of the business.At the same time,with the continuous development of the rural economy,and different types of farmer households have shown different risk characteristics and repayment behaviors in microfinance activities.Therefore,it is of great theoretical significance and practical guidance value to study the differences in factors influencing the microfinance risk of rural households in order to promote the precision of rural financial service institutions and improve the level of financial services.In this paper,based on a brief description of the background of the topic,the significance of the topic,and the research dynamics at home and abroad,first of all,a general theoretical analysis of the microfinance of rural households is conducted to clarify the connotation,development history,and particularity of microcredit for rural households,and theoretically.Clarify the general factors and the formation mechanism of microfinance risk affecting rural households,and use case studies to consolidate the theoretical basis.Secondly,with the behavioral objects of W-Agribusiness,the basic situation of W-Rural Commercial Banks and the microfinance business of rural households were introduced in detail,and the general characteristics of risks and the risks among different types of rural households were analyzed,and the specific reasons for the formation of risks were discussed.Again,based on the W credit data of rural households in 2012-2016,using the binary Logit model,empirical analysis was conducted on the microfinance risk factors of sample population,general farmers,individual industrial and commercial households,and other natural persons.Comparing the results of different models,it was found that there are differences in the microfinance risk factors of different types of rural households.Finally,combining the different characteristics of various types of farmer households and the significant credit risk influencing factors,he proposed countermeasures and suggestions for W credit control for micro-credit risk control of different types of farmer households,thereby promoting the sustainable development of microcredit for farmers.The main feature of this article that is different from similar research at home and abroad is that micro-credit farmers are divided into three categories:general farmers,individual industrial and commercial households,and other natural persons.They discuss the factors affecting the micro-credit risk,and according to these factors,the classification is proposed.Measures to control the microfinance risk of rural households,implement accurate measures,and continuously improve the quality of micro finance of farmers.