Risk Management And Control Of Small Credit Loan For Farmers

As far as the economic development of rural areas is concerned,micro-credit products are a powerful support to the local economic development from the financial level,and have important significance to maintain the economic development and social stability of rural areas.However,compared with other financial products,rural micro-credit has its unique characteristics,mainly manifested in the greater risk of credit loans,which in practice can easily lead to rural financial institutions to abandon the rural market and turn to the urban development trend.To effectively solve the credit risk problem of rural micro-credit,we need to encourage rural financial institutions to improve their enthusiasm to take root in rural areas.In fact,rural micro-credit is affected by many objective factors,such as agricultural industrial characteristics,rural economic environment and so on,which will lead to a lot of subjective and objective factors in the process of risk management and control,so that the final control results are not satisfactory.Compared with other types of loans,micro-credit The bad rate of loan products is still at a high level.This paper adopts the method of combining theory with practice.First of all,we need to define the theory of small credit loans from the connotation and extension of the basic theory.In addition,the Agricultural Bank of China Changchun Branch(hereinafter referred to as "Changchun Branch")as a starting point for research and exploration,and then this point as an introduction to point-by-point to explore the risk management and control of farmers' micro-credit loans.This paper mainly adopts empirical research methods to explore the problems of farmers' micro-credit loans,and makes a thorough analysis of the practice of the Bank of Agriculture Changchun Branch.Through the empirical analysis of the rural micro-credit risk management of the Agricultural Bank of China Changchun Branch,this paper objectively evaluates the micro-and macro-performance level of rural micro-credit,analyzes and summarizes the gap in this field between China and foreign micro-credit systems and practices,and through the existing problems.The exploration of the essential causes provides certain reference and support for the relevant departments to formulate the micro-credit policy,for the sound operation and sustainable and healthy development of rural business institutions,and provides decision-making reference for the development of the problem of rural household micro-credit loans by finding and solving problems.