Study On The Risk Of Rural Small Loan Of Agricultural Commercial Bank In N City

In recent years,the No.1 document issued by the central government has strengthened support for rural economy.As an important supporting force of rural economy,rural finance has injected tremendous vitality into the development of rural economy.After 2000,as one of the innovative forms of inclusive,rural micro finance began to operate in an all-round way in China.The development speed and momentum are extremely rapid,and the current situation of rural financing difficulties has been effectively alleviated.But in the process of expanding production and upgrading industry in the countryside,the demand for financing is increasing day by day.Farmers and small-scale rural operators are facing more complicated situations in terms of the channels and difficulties of obtaining funds than in the cities.Agricultural and commercial banks' micro-loan business is also surging underneath,with different risks,such as increasing interest rates and decreasing interest rates.Agricultural and commercial banks are also affected by local economy.Economic constraints,aging personnel structure,inadequate innovation ability,weak management level and other internal factors directly lead to the business of agricultural and commercial loans can not be effectively managed and optimized,the rural micro-credit market can not achieve breakthroughs,which in turn has a negative impact on the development of rural economy and the effect of poverty alleviation in rural areas.Therefore,for financial institutions such as Agricultural and Commercial Banks,one of the key tasks in the future is how to solve the various practical difficulties faced by agricultural and commercial banks in microloan business.Based on work practice,this paper makes an in-depth analysis of the main actors of farmers and businessmen in N city,fully investigates the development of rural micro-loan business in N city,and focuses on the external and internal factors faced by agricultural and commercial banks in N city in the process of handling micro-loan.It also analyses the credit and operational risks of rural micro-loan,and sums up the rural micro-loan business of agricultural and commercial banks in N city through the analysis and induction of rural micro-loan business in N city.This paper evaluates the causes and impacts of business risks,and combs the status of risk control,and puts forward strategies to improve the level of risk prevention of such business.From the overall content of this study,the first chapter puts forward the research background,explains the significance of rural micro finance for agricultural economic development,and combs and summarizes the relevant research results at home and abroad,the second chapter,the concept and theoretical basis.Chapter 3 combs the development of the bank's micro-loan business with the reality,and identifies the main loopholes in the external environment and internal management of the current Agricultural and Commercial Bank.Chapter 4 analyses the main causes of rural micro-loan risk of N City Agricultural and Commercial Bank,points out the deficiencies of N City Agricultural and Commercial Bank in terms of system,management system,operating procedures and supervision;Chapter 5,combines with the practical deficiencies in the development of this industry,and puts forward suggestions.The research process and results are helpful to further promote the understanding of the operation status and existing problems of the wind-control mechanism of agricultural and commercial banks' micro-loan business,to provide a relatively comprehensive response and treatment strategy for the development and transformation of the bank,and to promote the micro-loan business of agricultural and commercial banks to enter a sustainable,healthy,rapid and stable development at a faster speed.