Research On The Risk Prevention Of The "Three Rights" Mortgage Business Of Rural Credit Cooperatives

For the farmers,the lack of collateral has been the most difficult problem and the bottleneck of rural economic development.The vast majority of farmers who want to get a loan from the bank have to provide the equivalent or even higher than the mortgage of their loan to get the loan,But now,farmers are having trouble getting loans from Banks because they lack the necessary collateral.The bank has a choice of collateral,Rural property rights,land management rights and collective forms of forestry rights are not loans to Banks as collateral assets,Therefore,turning this part of the asset into a mortgaged asset will be an important way to expand farmers' financing and become an effective way to solve the problem of farmers' financing.With the deepening of rural reform,The "three right" assets of farmers who were previously unable to trade in markets have the same quality as commodities after the third plenary session of the 17th central committee,Not only can they be exchanged and transferred,but they can also be rented and subcontracted,and they can be traded flexibly.However,although "three rights" mortgage loan has great potential,it also faces a series of problems such as lack of effective legal restriction,intermediary service and risk control system.In addition,the unreasonable of the "three rights" mortgage process and the change of risk factors will have a great impact on the risk of "three rights" mortgage loan.This paper focuses on the behavior of farmers in yinan county,Through the analysis of the problems existing in the process and risk management of the rural commercial bank of yinan county,In order to reduce the probability of risk taking in the business development,improve the risk control of "three rights" mortgages,According to the existing research,the research on the "three rights" mortgage loan is lacking,and the research on risk control is not enough.This paper analyzes the risks and causes of the current "three rights" mortgages from qualitative and quantitative perspectives.The bayesian network model is used as the theoretical basis for the study of rural commercial Banks in yinan county,It points out the risks faced by rural commercial Banks in the "three rights" mortgages,Including legal risk,social risk,management risk,disposal risk,moral hazard,natural risk,etc.In order to better control the risk of "three rights" mortgage loan,this paper puts forward improvement Suggestions from the perspective of rural commercial Banks to avoid unsystematic risks,provide reference for the "three rights" mortgage business of other financial institutions,promote the rural "three rights" mortgage financing,raise the level of rural financial services,and promote the development of rural economy.