Study On The Risk Management Of Small Loan For Farmers In Rural Commercial Bank Of H County

"Poverty alleviation" is an important part of the task of winning the well-off society in an all-round way in China.Solving the problem of poverty in rural areas is the top priority of solving the problem of "agriculture,rural areas and farmers",which is directly related to the overall and balanced development of China's economy.To speed up the construction of rural financial system to adapt to the characteristics of agriculture,rural areas and farmers has become the top priority of the current rural financial work.As an important way for rural financial institutions to provide financial services to farmers,microcredit not only promotes the development of real economy in rural areas and solves the problem of rural poverty,but also brings risk pressure to the lenders.It is very important to prevent the risk of small loans for farmers,to protect the interests of the lenders and to maintain the long-term and stable operation of the small loan system.Taking the small loan business of H county rural commercial bank as an example,this paper pays attention to the risk of small loan of farmers,and studies the system construction of risk prevention from the perspective of practical business.In this paper,based on the current situation of rural micro-finance development,combined with the research literature at home and abroad,the development prospects and existing problems of rural micro-finance in China are analyzed.According to the relevant theoretical analysis,this paper expounds the risks faced by the small loan business of H county rural commercial bank.Combined with the actual development of small loan business of farmers in H county,using case analysis,this paper analyzes the risk status and risk management problems of small loan business of farmers in H county.Using relevant experience,this paper discusses puts forward corresponding development strategies.On the basis of summing up the current situation and problems of development,this paper puts forward the scheme of optimizing and upgrading the micro credit risk management system of farmers,and puts forward corresponding countermeasures and suggestions according to the actual development situation.This paper believes that the small loan business of farmers in H county has a broad market demand,but also faces greater risk pressure.There are many practices worthy of affirmation and promotion in the actions of improving the risk control system,but there are still many risk factors.With the continuous improvement and development of rural financial market,the market scale is bound to continue to increase.Faced with many challenges,the rural commercial bank should do a good job in risk elimination on the basis of giving full play to its advantages and seizing opportunities.Only in this way can we ensure the long-term stable development of small loan business of farmers and agricultural commercial bank itself.