Research On The Risk Management Of Farmers' Microcredit Loans In GS Rural Credit Cooperatives

Rural financial institutions is an important part of China's banking industry,the rural financial institution's core business is to provide credit services,in view of the "three rural" agricultural loans as a kind of general financial services,to alleviate a lot of farmers project,technology,but the problem of lack of money,for our country's rural revitalization contributed enormous power.The most important supplier of agriculture-related loans in China is the rural financial service institution represented by GS rural credit cooperative bank.Rural credit cooperatives have always been the vanguard in implementing the national poverty alleviation policy and the main force in practicing rural financial services.Because early historical reasons of cooperative system of rural credit cooperatives,plus the limitation of their own conditions for development,rural credit cooperatives of service objects,and the demand of the agricultural loan main body,basic it is weak,lack of ability to resist risk mortgage guarantee of rural small enterprises and individual farmers,so although rural credit cooperatives have special status in the financial system in our country and is of great significance,but there are extensive,such as management,backward technology,risk control such outstanding problems as weak management.GS rural credit cooperative bank for the majority of farmers in the province's loan needs,specifically launched a small credit loan farmers credit products.The loan satisfies the farmers' demand for credit funds in their daily production and life.However,small credit loans for farmers have the characteristics of no mortgage,and it is difficult to determine the credit degree of customers.As a result,rural credit cooperatives are always in a weak position.Therefore,it is urgent to strengthen the loan business risk management of rural credit cooperatives,ensure the accurate identification of risks,effectively prevent credit risks,reduce the losses caused by risks,and ensure the fund security of rural credit cooperatives in the service of personal loans to farmers.At this time,it is of great practical significance to study the risk management of rural household micro-credit loans for the loan risk control of rural credit cooperatives.This paper tries to provide a reference for the risk management of rural credit cooperatives' small credit loans.In this paper,GS rural credit cooperative bank as the object of study,with "risk identification-risk assessment-risk control" as the main line,through literature reading,case study and other methods,GS rural credit cooperative bank in rural households small credit loan business risk management problems were studied.Firstly,this paper introduces the risk management method of GS rural credit cooperative bank small credit loans to farmers,and analyzes the existing problems and causes.On this basis,the GS rural credit cooperative bank rural household microfinance business risk management put forward their own views,and the corresponding improvement Suggestions.It is helpful to improve the risk control at all stages of the process of peasant household micro-credit loan and to improve the risk control system of peasant household micro-credit business.