Study On The Influencing Factors And Countermeasures In Loan Risk Of A Subbranch Of Agricultural Bank Of China

Since its establishment in 1951,Agricultural Bank of China has developed rapidly.Banks and outlets of all sizes are located in various provinces,cities,districts and counties in China.It has become the largest commercial bank in China,providing efficient and convenient financial services to hundreds of millions of customers.In the context of the rapid development of the current rural economy,in order to obtain a larger rural market,the Agricultural Bank of China has the courage to change the original service pattern,set up subbranches in the county-level regions,and incorporated rural areas into its business coverage,promoting rural finance.The main source of income of the county subbranch is the lending business.The development of the lending business has always been accompanied by the existence of loan risk.This paper analyzes the causes of the risk of the credit bank of the Agricultural Bank of China through literature research,field research and comparative analysis.I hope to provide valuable policy advice.Specifically,this paper firstly expounds the research background and research significance of the risk of loan of the A subbranch of China Agricultural Bank,and reviews the relevant research literature on risk management of commercial banks at home and abroad,expounding the concept,meaning and characteristics of loan risk.Emphasis is placed on the importance of studying loan risk.Based on the analysis of the risk management of A subbranch loans in the case of the A subbranch of the Agricultural Bank of China,the paper analyzes and compares the personal loan and the public loan processing process of the A subbranch.Explain the scale and quantity of loans issued by the branch in the past five years.Then,from the aspects of government administrative intervention,bank management mechanism,quality of employees,loan enterprise repayment awareness and ability,and farmer loans,the main problems of commercial bank loan risk are explained.According to the current financial market situation,this paper analyzes the restrictive factors of the A subbranch loan risk management and control of the Agricultural Bank of China(Shandong Province)from the government policy,law and financial system,regulatory departments and banks.Taking Branch A as an example,this paper chooses 4 primary and 12 secondary indicators,such as self-factors,local factors,agricultural loans and external factors,as the relevant influencing factors of the credit risk of Branch A,and makes an empirical analysis by using Analytic Hierarchy Process(AHP).Finally,according to the relevant conclusions of the previous analysis,in view of the problems raised,the paper gives policy recommendations from the aspects of transforminggovernment functions,reducing administrative interference and strengthening financial supervision,reforming credit assessment and management mechanism,improving staff quality,improving administrative management mechanism,and strengthening the risk control and management of farmers' loans.Through these policy recommendations,we hope to provide help for the Agricultural Bank of China A subbranch loan risk control.