Study On Risk Prevention Of The Small Agricultural Credit Business Of S Bank

Microcredit services originated in the last century in 70 s.The purpose of the business is to provide some financial services for poor groups,especially in rural poverty alleviation.According to the actual situation,small agricultural loans have achieved certain achievements in poverty alleviation.It has played an important role in solving the difficult problem of loans,promoting the economy of the rural areas and promoting the increase of farmers' income.However,the sustainable development of the domestic small agricultural loans is also facing a lot.The problems and the most prominent problems exist in the various risks of small agricultural loans,such as the risks of market,credit,interest rate,nature and operation,etc.,which will directly result in the consequences of small agricultural loans in China.Based on this,this paper takes S bank as an example,analysis of the small agricultural credit business risk prevention mechanism.In combing relevant theories,this paper collate the theoretical basis of microfinance loans,the related theories of microfinance loans and the risk management theory of microfinance loans.On this basis,the risk analysis and prevention mechanism of S bank microcredit business.On the basis of the overall understanding of the development of the S bank's small agricultural loan business,this paper analyzes the risk status of the S bank's microfinance loan business,and points out that there are risk types such as adverse selection risk,moral credit risk,operational risk,interest rate risk and management risk.Analysis of the S bank microcredit business risk prevention mechanism.Then,this paper excavates the problems existing in the risk prevention of the S bank,and excavates the shortcomings of the current S bank's microfinance loan business,such as the lack of supervision and funds,the improvement of the practitioners' accomplishment,the lack of operating mechanism,the relatively narrow source of funds,the low degree of internal control and the imbalance.The problem.According to the analysis of the reasons,it is pointed out that there are 6 main reasons,namely,the lack of professional talents,the lack of government support,the confusion of development prospects,the lack of the concept of risk management,the lack of management mechanism and the backwardness of preventive technical services.Finally,countermeasures of S bank microcredit business risk prevention of the.Based on the Countermeasures of macro analysis and improvement,it is pointed out that the relevant laws and regulations should be perfected,the regulatory role of the regulatory organizations should be strengthened,the credit rating mechanism should be strengthened,the support for the relevant policies should be strengthened,the ecological environment suitable for financial development,the innovative financing model and the inclusion of the credit collection body are introduced.Secondly,based on the improvement of the micro field analysis,it is pointed out that the quality of the staff should be strengthened,the whole loan risk prevention mechanism should be built,the strength of the self credit rating should be strengthened,the buffer system of the peasant household micro credit crisis should be set up,the innovative concept of win-win development,the follow-up capital and the implementation are strengthened.The joint cooperative R & D strategy of Zheng Shi CE and so on.