Research On The Influencing Factors Of L Rural Commercial Bank's Agriculture Related Loan Risk

As one of the three major battles,poverty alleviation is our country must fight against,the most important one is to solve the problem of agriculture,rural areas and rural people,ensure the full development of agricultural,harmonious and stability in rural areas,live and work in peace and contentment.The strategy of rural vitalization is to serve for winning the fight against poverty with precision.As the backbone of rural finance,rural commercial banks have great potential and development space to help poor area get out of poverty,provide financial guarantee and support for the development of agricultural and rural economy.However,while the rural commercial banks continue to provide financial facilities for agricultural and rural development,their internal and external risks are gradually revealed,which poses a greater challenge to the healthy development of rural commercial banks.In order to give full play to the advantage and potential of L rural commercial Bank to protect the sustainable development of rural economy and finance in this area,this paper makes a comprehensive analysis of the risk factors of L rural commercial Bank's agricultural related loans,and throw out some related measures and suggestions,based on which,improve the level of risk management of L rural commercial Commercial Bank's agricultural related loans,L rural commercial Commercial Bank can achieve sustainable development.In this paper,through the combination of qualitative and quantitative analysis,L rural commercial banks as the object of research,analysis the contributing factors of the risk of L rural commercial bank loans,find out the potential problems that affect the development of L rural commercial banks,and puts forward some practical countermeasures and suggestions for the effective control of the risk of L rural Commercial Bank's agriculture related loans.First of all,accumulates and summarizes relevant literature,analysis the meaning and characteristics of the risk of agricultural loans?causes theory?influencing factors,based on the information asymmetry theory,credit rationing theory,the theory of expected income and the theory of weak quality of agricultural industry,combined the characteristics of natural factors,borrowers' factors,financial institutions' factors and social and government factors,constructs the concrete research framework of this paper.Then,according to the current operation situation of L rural Commercial Bank and the overall development of loan business,in order to understand its current overall risk profile,and collect the relevant data of agriculture related loans for detailed analysis and demonstration.The Logisticregression analysis method is used to analyze the factors affecting the default rate in order to fully understand the causes of risk and the specific problems in risk control.Finally,according to the results of theoretical analysis and empirical research,we can puts forward some suggestions on how to prevent and control risks effectively for L rural commercial banks and rural financial institutions,such as optimize the internal risk control system,strengthen the management of agriculture related loan customers,Strengthen the construction of internal and external linkage risk supervision and driving agricultural financial products and services' innovation.The results of this paper are of practical significance to the construction of the risk prevention system of rural financial institutions,the solution of the problem of agriculture,rural areas and rural people,the acceleration of urban integration construction,and help to promote the overall and benign development of agricultural related loans.And realize the optimal allocation of resources,guide the sound development of rural finance,standardize the procedure of agricultural loans,increase the supply of financial capital in rural areas,and promote the high-quality development of financial poverty alleviation.