Research On Credit Risk Management Of Rural Microfinance Loan In Heilongjiang Agricultural Bank

In the modern financial environment.commercial banks is an important part of the social economic activities,commercial banks to achieve turnover of social capital through the capital settlement and financing,and play the function that creates value.It can be seen that the position of commercial banks in the whole financial system is so important that its stable operation will directly affect the stability and development of the whole financial system and even the whole society.Especially in our country,the commercial bank has been playing the role of the main credit fund provider for a long time.Based on the above background,this article from the Heilongjiang province agricultural bank of rural microfinance loan credit risk management present situation,respectively from the credit risk identification,measurement,analysis and processing point of view puts forward the existing problems,and put forward problems,analyzing problems,according to the process of solving the problem combined with empirical analysis method to reduce the concrete measures of rural microfinance loans to argue.According to this research idea,this paper first introduces the research background,purpose,significance,current research status at home and abroad,and the research methods and research contents adopted in this paper.At the same time,it also explains the definition of rural microfinance credit risk management,and expounds the characteristics,forms and theories of credit risk management of rural microfinance credit risk.Second,the agricultural bank of Heilongjiang province rural microfinance credit risk management status,including credit risk identification,measurement,analysis and processing each link of the main method of use and overall process has carried on the detailed explanation of the loan,then aiming at the above link and process of Heilongjiang province agricultural bank of rural microfinance carry out specific analysis on the problems existing in the credit risk management;Then according to the related theories and literature research put forward the influence factors of rural microfinance credit risk,and based on the CVAR model and using the method of stepwise regression analysis with the Heilongjiang province rural microcredit data on macroeconomic and microeconomic factors significant screen,found on the rural microfinance plays a significant role in credit risk indicators,based on the problems of bank management and empirical analysis of rural microfinance credit risk concrete countermeasures are put forward.In this paper,the research results show that the rural labor force population,peasants culture condition,agricultural production cost,a bank loan money supply factors such as the bad influence on rural microfinance.So this article in view of the above factors,in combination with the practical situation of loans to Banks how to reduce the defective rate of rural microfinance are put forward to strengthen farmers' information collection,often including manager to organize training for farmers and bank customers,establish the advanced credit risk measurement model,legal use of financial derivatives dispersion and avoid credit risk related to suggest countermeasures,thus to effectively control the rural microfinance failure rate to rise.