Research On The Risk Management Of Farmer Loan In MD Branch Of Agricultural Bank Of China

Since the establishment of Agricultural Bank of China,the aim of "facing agriculture,countryside and countryside,serving urban and rural areas",along with the stable and sustainable development of the Agricultural Bank of China,has been providing more convenient services and high-quality resources for the rural customer group.Under the background of accelerating the process of agricultural modernization,Agricultural Bank of China plays an important role and value in solving the shortage of funds for farmers,but the risks faced are also gradually increasing.Agricultural Bank of China Co.,Ltd.MD Branch(hereinafter referred to as Agricultural Bank MD Branch)is a positive response to the call of the country,as far as possible to provide credit funds for farmers.But it's important to note that in agriculture,In the process of operation and development of farmers' loan business in bank MD branch,the risks are getting greater and greater.In this regard,in addition to achieving the effective investment of farmers' loans,at the same time,we should also effectively,scientifically and accurately control the risk of farmers' loans,only in this way can we achieve the goal of stable and sustainable development.In the process of studying the risk management of farmers' loans,this paper takes the Agricultural Bank of China MD Branch as the research object,with the help of investigation method,literature analysis method,case study method and so on.This paper makes a comprehensive and comprehensive study on the actual development and risk management of farmers' loan business in MD Branch.The conclusions are as follows: the assets of MD Branch are more liquid and the capital is more adequate.However,due to the high risk of farmers' loan business,the quality of asset management is in a declining trend.Even if there is a great cost in the risk management of farmers' loan business,the effect has not been achieved.To achieve the desired goals,and then affect the profitability of MD branches,comprehensive competitive strength.In addition,with the help of field investigation,this paper investigates the development of farmers' loan business in MD Branch,and finds out that the bank is facing regional risk management problems and market risk management problems in the risk management of farmers' loan business.Operational risk management and credit risk management.According to the practical requirements,combined with the corresponding theoretical knowledge,this paper puts forward the corresponding countermeasures and suggestions.It is expected that through the study on the risk management of the credit risk management of the agricultural bank of the agricultural bank of the agricultural bank,it is possible to provide the reference practical case for the research of the credit risk management of the whole peasant household,and the management experience can also be used for reference by other financial institutions.