A Bank's Risk Management Of Farmers' Small Loans In Mianyang Area

In the report of the Nineteenth National Congress,General Secretary Xi Jinping put forward that the problem of agricultural and rural peasants is a fundamental issue related to the national economy and people's livelihood.We must always take solving the problem of "agriculture,countryside and farmers" as the top priority of the Party's work.In recent years,the "No.1 Document" of the Central Committee has repeatedly emphasized supporting the real economy,developing inclusive finance,and realizing rural revitalization.From these aspects,an important signal is transmitted that the government should vigorously develop agriculture,countryside and farmers and promote their steady development.To solve the problem of "agriculture,countryside and farmers" developing too slowly,we need the injection of financial living water from financial institutions and the vigorous support of financial institutions in rural areas.Only when the funds of farmers' expanding production and operation are effectively solved and the financial control system and capital allocation play an effective role,can we really give full play to financial assistance for the development of agriculture,rural areas and farmers.As the fist product of financial institutions serving agriculture,countryside and farmers,the micro-loan business of commercial banks can effectively solve the problem of farmers' financing difficulty in rural areas and promote the steady growth of agricultural economy in China.As one of the large state-owned banks,Bank A has been undertaking the task of prospering rural finance and supporting rural economic development since its inception.Since 2007,Bank A has made great strides in serving agriculture,countryside and farmers.It has set up a special sector for agriculture,rural areas and farmers,carried out pilot reforms of financial services for agriculture,rural areas and farmers,and launched a special product of "peasant household micro-loan",further increased loan products for agriculture,rural areas and farmers,optimized the structure of credit assets,and solved the financing difficulties in rural areas with this special product.From 2014 to the end of 2017,Bank A has 2 970 small loans for farmers in Mianyang,with a total loan amount of 15.69.46 million yuan.Although Bank A has made some achievements in the application of micro-loans to farmers,some problems still exist in the aspects of pre-investigation,mortgage guarantee,post-loan management and risk control.By the end of 2017,244 households in bank A had overdue loans,the amount of overdue loans was 13.3258 million yuan,and the rate of bad loans was as high as 8.49%,far exceeding the bank's rate of bad loans by 2.37%.Under the above background,how to realize the stable development of the businessunder the premise of controllable risk can be promoted to a certain extent.In this paper,the methods of data analysis,literature research,typical case studies and case studies are used to summarize and summarize the relevant references at home and abroad.Taking the actual situation of farmer's micro-credit of Bank A in Mianyang as an example,the internal and external financial environment,access conditions,development status,risk causes and typical cases of farmer's micro-credit launched by Bank A are discussed.This paper makes a comprehensive,careful and in-depth analysis,and puts forward corresponding preventive and control measures and suggestions,in order to achieve the benign,healthy and sustainable development of the bank's small loan business.The general framework of this paper is as follows: The first chapter is the introduction part,which mainly elaborates the development background and research significance of farmers' micro-credit in China,and summarizes the relevant references at home and abroad.The second chapter elaborates on the relevant theoretical concepts of farmers and farmers' micro-loans,the operation process of commercial banks' approval of loans,and describes in detail the current definition of commercial banks' risk management,the definition of credit risk and other related theories;the third chapter introduces in detail the development of local agricultural economy in Mianyang,and the micro-loans of farmers in Mianyang area of Bank A.Relevant data are analyzed from the aspects of regional development,use and guarantee,which are manifested in the uneven development,centralized use and single guarantee mode of farmers' small non-performing loans.Chapter IV deeply studies the credit risk,market risk and management risk faced by farmers' small loans,and gives examples to the risk.The occurrence of microfinance is introduced in detail,mainly explaining that farmers are vulnerable to natural disasters,weak awareness of farmers,multi-loan,unbalanced market supply and demand,excessive industry concentration,inadequate pre-loan investigation and post-loan management of banks,imperfect guarantee system and internal credit system constraints;the fifth chapter puts forward its own corresponding risk reasons which have been discussed in this paper.Suggestions and measures,mainly from improving farmers' credit awareness,creating a good financial ecological environment,strengthening agricultural insurance publicity,innovating guarantee methods,solid credit investigation,strengthening channels and team building and other aspects of research,and typical case analysis of Bank A Anzhou Branch;Chapter VI draws relevant research conclusions and this paper based on the previous research.Deficiencies.