| The rural credit cooperatives is an important financial institution of our country national financial system for agricultural infrastructure,and loans to farmers is an important business of rural credit cooperatives,facing widespread the problem of default loans to farmers,it is particularly important to identify the impact of default loans to farmers from the root,so as to make loans to farmers successfully recovered and ensure the sustainable development of rural credit cooperatives.Loans in rural credit cooperatives,the default is a common phenomenon,this paper studies on Chinese County Rural Credit Cooperatives as an example,discusses the basic theory of loan default and risk management on the first analysis of China County Rural Credit Cooperatives credit.Secondly,the Logistic model is used to empirically analyze the factors that affect the rural credit cooperatives in the rural credit cooperatives in China.At last,it puts forward the countermeasures to reduce the farmer's loan default.The empirical results are as follows:first,the rural credit cooperatives in China's rural credit cooperatives,the phenomenon of default.Households default have 110 farmers,accounting for 38.7%.Two factors contributed to the farmers loan defaults are in many aspects,the first is the factors of farmers' and their families of their own,such as education,whether the grain,whether there are other loans,total family income,the degree of subjective efforts,the second factor is the management of rural credit cooperatives business,with loans,loans,lending difficult the degree of difficulty,risk assessment is accurate,the third is the external environment,including natural changes,policy environment and market environment.Based on the above empirical results,this paper puts forward countermeasures and suggestions to reduce the default of farmers' loans from the perspective of farmers themselves,rural credit cooperatives and external environment. |
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