Research On Rural Micro-finance Risk Assessment Of ABC Bank Of Suzhou A Branch

Compared with Bolivia,India,Bangladesh and other countries,the development of small loans for farmers in China is still in its infancy.With the 19 major victories and the further deepening of our country's finance,,the Chinese government has recognized that microfinance is playing more and more importent role in the different levels of support for local farmers,promoting the two laid-off workers employment,entrepreneurship and the construction of socialist harmonious society.Agricultural Bank of china is one of the four state-owned banks,has its own political mission.At present,the central and local governments have issued a series of policies to support the development of microcredit,hope that these policies will be implemented everywhere to help farmers get out of poverty,narrowing the gap between rich and poor,build more harmonious new socialist countryside.Our bank also actively respond to the call of the government to expand microfinance business.However,at present,the risks and opportunities of microfinance businesses exist in agricultural and agricultural banks.Credit risk always endangers microfinance,which has caused great harm to its sustainable development..How to ensure the development of microfinance industry,while effectively controlling all kinds of risks,has become the first problem.This article analyzes the risks faced by farmers' microfinance business in A branch,and discusses how to control risk.basing on the theory of farmers' small loan and risk management,taking the current situation of peasant household microfinance in A branch of Suzhou Agricultural Bank as the starting point,this article Based on the literature review,combined with the actual situation of A branch,the establishment of the Suzhou branch of ABC a microfinance risk evaluation index,establishes three level evaluation index system,using the method of combining analysis Delphy and AHP to determine the index weight,the weight is more objective.The result shows that the total score of small loan risk of Suzhou branch of Agricultural Bank of China is 72.73 points,indicating that the risk level of A branch is overall controllable.The two indicators that influence the level of credit risk,such as operation and management ability and financial status,account for 29.028% and 58.237% respectively.The score is not ideal(77.5475 and 68.8575 respectively),which resulting in a low overall score.According to the results,this article finally puts forward the countermeasures and suggestions to prevent the risk of A branch farmers' microfinance,mainly including doing a solid job of farmers' investigation and evaluation,paying close attention to the "soft power" of farmers,paying attention to the financial situation of family members,and perfecting related financial information.