Research On Risk Management Of Peasant Household Loan Project In XT Industry Chain

In recent years,some financial institutions in China have set up the loan business of industrial chain farmers in view of the characteristics of agricultural economic development,and take the whole process of modern agricultural production,processing and circulation as a whole to carry out the industry leading guarantee loan.Taking the core enterprise as the center,with the help of the control force of the core enterprise to the upstream and downstream enterprises and the farmers,all the enterprises and farmers in the industrial chain are regarded as a whole,the credit risk is investigated from the industrial chain as a whole,the credit of the scattered farmers is operated on a scale by the credit of the core enterprises,and the rural areas are solved to some extent.The bottleneck of economic development has achieved a win-win situation for the three sides of the bank,enterprise and agriculture.But the loan of the industrial chain is not without any risk.In the actual operation process,there is still a loan overdue situation,which causes a certain loss to the banks and the core enterprises.Therefore,how to effectively control the risk of industrial chain farmers' loans has become an important issue to ensure the healthy development of rural finance.First,this paper reviews the theory of industrial chain and peasant household loan,introduces the contents and methods of project risk management,and takes the XT enterprise industry chain farmer loan project as an example to elaborate the identification,analysis and coping methods of the risk of industrial chain financing,and puts forward the Countermeasures for the commercial banks to strengthen the risk management level of the industrial chain financing.Discussion.Through consulting the relevant documents,this paper combed the risk management links of the identification,evaluation,control and treatment of project risk and the related risk management methods.Then,this paper introduces the project overview of the XT enterprise industrial chain peasant household loan,linking the theory with the reality,through the identification and analysis of the loan risk of the XT enterprise industrial chain,finding the related risk index,constructing the risk evaluation index system,and evaluating the risk of the household loan project of the industrial chain of the XT enterprise.Finally,this paper studies the risk response and control measures of the financial risk of the XT enterprise industrial chain loan project,and puts forward the countermeasures to strengthen the risk management and the suggestions for the development of the household loan project of the industrial chain.