Research On Farmers' Microfinance Risk Management In CS Rural Commercial Bank

Rural commercial Banks are an important part of the financial market and play an extremely important role in supporting rural economic growth.As farmers own bank of changsha,changsha agricultural bank since its inception has been to serve the economic development of agriculture and rural areas of changsha as own duty,increase financial support,in advance of changsha has played an important role in rural economic and social development,especially the farmers microcredit,for changsha city provides a large number of production and life of effective support from a large number of farmers,become the main force of financial support agriculture.However,in recent years,there have been some prominent problems in risk prevention,mode setting,loan risk management and other aspects of microfinance launched by changsha rural commercial bank,which cannot keep up with the new economic changes in agriculture and rural areas.Therefore,it is necessary to re-examine and conduct in-depth research on the risk management of rural household microfinance in rural commercial Banks.This article first through methods such as literature reading,information on paper summarizes knowledge of microfinance,secondly,through on-the-spot investigation,fully understand the changsha rural commercial bank development and business model,description and analysis on the current situation of peasant household microfinance,and then discusses the existence of peasant household microfinance risk sources and risk.Then,this paper analyzes the risk management of rural household microfinance in changsha rural commercial bank,and finds that the process of rural household microfinance is not standardized,loan supervision and management cannot keep up,and credit risk prevention ability is weak.The defects of micro-credit financial products,short loan term and low overall quality of high interest rate employees.Starting from the risk factors,this paper constructs a risk assessment model of peasant household micro-credit from the four aspects of peasant household natural characteristics,peasant household debt paying ability,environmental factors,agricultural and commercial bank management and operation factors.Finally,this paper combined with changsha farmers small rural commercial bank credit risk management problems,according to the "prevention before loan,credit control,post-loan supervision" of the overall train of thought,in changsha small rural commercial bank credit risk management model for the building,including establishing and perfecting the risk identification model,establishand improve the risk measurement model,after establishing and perfecting the credit risk supervision,establish and improve the daily management,establish and improve the loan recovery mode,etc.