Research On Analysis And Disposal Of Farmers' Non-performing Small Credit Loans

Peasant Farmers' Small Credit loans are proposed by the People's Bank of China in the Interim Measures for the Management of Rural Credit Cooperatives' Farmers' Small credit Loans(No.245 of Bank of China 1999).According to the relevant laws,regulations and rules such as the People's Bank of China Law,the Commercial Bank Law of the People's Republic of China and the General Rules for Loans,the credit letters of peasant households are referred to.In addition,we should simplify the loan process,compress the loan information,and grant credit loans to local farmers within the approved credit scope.Facing the complicated and ever-changing economic environment,the global economic recovery is struggling,whether the domestic economy hitting the “L” trend is still confusing,many difficulties and challenges are coming one after another.As the lifeblood of national economic development,the financial industry directly affects the sustained and stable development of the economy,while the operation of banking financial institutions affects the entire financial system.Non-performing loans are an inevitable outcome of the bank's development and operation,and its scale is rapidly expanding to finance.The healthy development of the industry has hidden dangers.The national economic policy has been adjusted since 2013.The economic growth rate has gradually shifted from high-speed growth to the new normal of medium-to-high-speed growth.The monetary policy and the excessive fiscal stimulus have brought about a rise in non-performing loan ratios.Large commercial banks,joint-stock commercial banks,city commercial banks,and rural commercial banks are under tremendous pressure.According to the disclosure data of the China Banking Regulatory Commission,as of the end of 2018,the non-performing loan balance of China's commercial banks was 2.0254 trillion yuan,and the non-performing loan ratio was 1.83%.The non-performing loan balance of rural commercial banks was 390.5 billion yuan,and the non-performing loan ratio was 3.26%.The high level of non-performing loans severely restricts the sustainable development of rural commercial banks themselves,weakens the ability to continue to support local economic development,and affects the stability of the financial system to a certain extent.In the long run,it will distort the allocation of social resources and endanger the sustained and healthy development of the economy and society.As the only local method and financial institution in the country,H County Rural Commercial Bank has issued a large number of loans to support farmers and farmers.It has made significant contributions to the development of “three rural” and economic transformation in H County,and has been highly praised by party and government organs.However,small credits of farmers The loan non-performing rate has exceeded 20% for a long time,which has cast a shadow over the sustained and healthy development of rural and rural commercial banks in H County,and added more uncertainty to the reform of agricultural supply side.For the first time,this paper clearly focuses on the research of micro-credit loans for bad farmers to county-level institutions.Through the introduction and analysis of the status and disposal of micro-credit loans for poor rural households in rural areas of H County,H County is from both internal and external aspects.The main reasons for the small-credit loans of poor rural households in rural commercial banks are summarized.The external reasons are mainly due to the backwardness of the rural credit environment,the macroeconomic impact,and excessive government intervention.The internal reasons are mainly the chaotic management mode and the irregular business operations.Management is not in place.At the same time,combined with three typical cases,the specific problems in the process of micro-credit loan management of bad farmers were analyzed.Finally,based on the customer's willingness to repay and repayment ability,internal management and top-level system design,the poor rural households of rural commercial banks in H County were analyzed.Suggestions on risk prevention and control and collection and disposal of microcredit loans have been put forward.It is suggested that the operability is strong.It is a good reference for county-level institutions to collect small-credit loans for poor farmers.