Study On Risk Influencing Factors And Risk Early Warning Mechanism Of Rural Microfinance In K County

With the task of building a well-off society in an all-round way in 2020 entering a critical stage,it has become an important financial poverty alleviation policy to issue micro-credit to poor farmers in poor areas.However,most of the micro-credit do not need mortgage and guarantee.In addition,there are many other problems in our country's rural credit at present.For example,farmers lack self-awareness of loan repayment,can not clearly identify the risk assessment of micro-credit,and the control of relevant systems is not very effective.All these make rural credit cooperatives and commercial banks work in developing credit business.In doing so,we may encounter various risks.The bad rate of agricultural loans is relatively high,and the losses caused by them are relatively large.In order to solve the problems highlighted in rural micro-credit business,further strengthen the reform of rural micro-credit business and improve its development level,this paper selected K County as the research object,mainly because K County has a high degree of poverty,is a typical ethnic minority agglomeration area,the old revolutionary area,the development of rural micro-credit has just started,but the development potential is huge.There are financial risk points,which are typical in minority areas.At the beginning,this paper will briefly explain the conceptual theory related to micro-credit,and then study the risk situation and its causes of rural micro-credit in K County by empirical method.Then,from the perspective of comprehensive strength of borrowers,internal management of banks and external economic environment,this paper makes a qualitative analysis of the risk factors of rural micro-credit in K county,and selects rural areas in K county.For example,credit unions obtain data through field investigation,discussion,investigation and questionnaire issuance,and further evaluate the factors leading to risk through the method of analytic hierarchy process.Then,each index is scored by the efficiency coefficient method,so as to obtain the final required risk early warning model,and then divide five categories of risk early warning.This paper evaluates the risk situation of rural credit cooperatives in K county,and draws a conclusion that rural micro-credit in K County in 2018 is not at risk.Finally,according to the results,the paper puts forward policy suggestions from four perspectives:speeding up the transformation of farmers' ideas,strengthening the internal supervision of banks,strengthening the construction of credit environment,innovating and promoting the micro-credit+insurance system.