Study On The Risk Management Of Farmers' Microcredit In Changsha Rural Commercial Bank

Farmer credit supply is the core in rural finance which for the support and promote the "San-Nong" development of great significance.In order to improve the shortage of rural credit services actively from 2005,microfinance as a kind of Pratt & Whitney innovation began to run in our country,and in many years to develop and grow,effectively alleviate the problem of farmers financing new rural construction has played an extremely important role.At present,rural commercial banks are the most important suppliers of microfinance in China.However,due to various factors,the current level of credit risk management is still lagging behind,limiting the healthy and sustainable development of microfinance business.Based on the theory of information asymmetry,principal-agent theory,credit fragility theory and comprehensive risk management theory,this paper analyzes the characteristics of the study of Changsha's agricultural and commercial behavior,such as literature reading,field investigation,quantitative and qualitative analysis.This paper analyzes the situation of the microfinance risk management of farmers' private credit in Changsha,and the analysis of organizational structure,credit evaluation system,risk assessment,risk early warning and risk management system.Secondly,it is found that there are several problems in the current situation of microfinance risk management of farmer's firm in Changsha,such as the defects of risk management organization structure,the imperfect management system of internal risk,the unscientific credit rating system,the quantification of risk assessment System and early warning mechanism is not perfect,farmers small loan interest rate pricing mechanism is simple and credit risk management human resources lack of serious.Finally,the paper puts forward some measures to strengthen the management of microfinance risk of farmers in Changsha Agricultural Bank: adjust the organizational structure of microfinance risk management of farmers,such as setting up special small-scale agricultural loan department,and strengthening the risk of micro-credit Management of internal control mechanism;to improve the farmer credit rating system;to improve the farmers micro-credit risk assessment and early warning mechanism;to improve the loan interest rate pricing mechanism;to develop farmers microcredit risk management expertise.Through the research of this paper,it will help to understand the main system defects of the farmers 'microfinance risk management system in Changsha Rural Bank,and also provide a systematic system for the effective strengthening of farmers' microfinance risk management in the process of restructuring and transformation.And the universal solution,to promote the healthy and sustainable development of farmers' microfinance business,and further enhance the role of Changsha agricultural firm's main force of agriculture,provided some useful inspiration and reference.