Research On Loans To Rural Agricultural And Farmers Internal Control

In recent years,Rural agricultural and farmers have become popular topics.With the rapid development of rural agricultural and farmers,rural agricultural and farmers loans have also received widespread attention.As the main member of the rural agricultural and farmers loans,the rural commercial bank focused on the rural agricultural and farmers and deepened the rural agricultural and farmers loans market.The rural commercial bank will support agriculture and support small loans work better,consolidate and expand the rural agricultural and farmers loans market.But at present many rural commercial banks have the problem such as poor management benefit,high defective rate,chaos of internal management etc.The lack of internal control is the root cause of these problems.Guard against agricultural and farmers loans risk and improve the quality of loans is the important guarantee of the steady and health development of rural commercial bank.For rural commercial bank rural agricultural and farmers loans unique risk,this paper takes Y Rural Commercial Bank as the research object,proceeding from the status quo of China's rural agricultural and farmers development,Based on the research status on loans to rural agricultural and farmers internal control and asymmetric information theory,cybernetics,internal control theory.Systematic approach,documentary analysis,case study were used to explain the internal control status of rural agricultural and farmers loan of Y Rural Commercial Bank from the four stages of acceptance and investigation,review and approval,issuance and payment,and management and monitoring.Focused on the problems existing in the internal control of rural agricultural and farmers loans of Y Rural Commercial Bank,and put forward optimization measures: Due pre-loan investigation;Construction of credit project;Optimize staffing;Establishing examination and approval system;Strengthening contract management;Strengthening the supervision of loan issuance;Refine the post-lending management;Refine the file management.This paper starts with the process of rural agricultural and farmers loan of Y Rural Commercial Bank,analyzes the shortcomings and deficiencies of internal control in each link,combined with the core ideas of Y Rural Commercial Bank internal control,l,and then proposes targeted measures.It is hopeful that it will be able to fill in the existing research on the application of the internal control of the rural agricultural and farmers loan in the existing rural commercial bank,and it can also be used as another rural commercial bank to carry out rural agricultural and farmers.