Research On The Risk Control Of Farmer Loan In Harbin Rural Commercial Bank

Since the reform and opening up,China has gradually relaxed the control of the financial market.In just 40 years,China's financial industry has been booming,the structure of the financial market is more reasonable,the financial system is more sound,and the market scale is larger.However,with the rapid developing of the financial market,the risks faced by the financial market are increasing day by day,and gradually troubled the healthy development of the financial industry,leaving a certain security risk for the growth of the quality of China's economy.Rural commercial bank is an important part of our financial market,and credit risk is a very prominent problem in the business activities of rural commercial bank,and also a major obstacle to the development of rural commercial bank.As a regional bank,Harbin rural commercial bank is also facing the problem of credit risk.For Harbin rural commercial bank,credit business is still the main channel to provide financial services.The status of loan risk,especially the credit risk of farmers,will directly affect the survival and development of Harbin rural commercial bank.In recent years,great changes have taken place in the domestic and international economic environment,and the competition among commercial banks has become increasingly fierce.How to prevent and resolve the credit risk of farmers,improve the risk prevention system and promote the management level of the whole bank under the severe realistic background will be a difficult and important work to be solved urgently.This paper systematically studies the actual situation of the risk prevention and control of farmer loan in Harbin rural commercial bank.It is found that the risk prevention and control of farmer loan in Harbin rural commercial bank mainly includes the following aspects:first,the non-performing loan rate of farmer is high;second,the guarantee mechanism of farmer loan is not perfect;third,the organizational structure of risk management department is unreasonable;fourth,the team construction of farmer loan risk management is not in place;fifth,the risk management process of farmer loan is not refined enough.In view of the problems existing in the risk prevention and control of farmers' loans in Harbin rural commercial bank,this paper puts forward the improvement measures for the risk prevention and control of farmers' loans,mainly including the following aspects:improving the collection mechanism,mobilizing the enthusiasm of farmers to perform the contract;improving the guarantee system of farmers' loans,reducing the non-performing loan rate;improving the internal control system of risk prevention and control of Harbin rural commercial bank;improving the team of risk management personnel Quality;optimize risk management process and improve risk management ability.