Study On Credit Risk Analysis And Control Of Rural Household Loan In LS Bank

Agriculture is the foundation of our country,the three rural issues related to the national economy and people's livelihood,and the key to solve the three rural issues lies in farmers,alleviate the poverty of farmers,the focus is how to solve the problem of financing related to agriculture,financing expensive.Developed countries have established relatively mature farmer loan support system,and their credit risk management of farmer loan is also gradually mature.In recent years,the Chinese government has vigorously promoted financial support for "agriculture,rural areas and farmers".Compared with state-owned commercial Banks,urban commercial Banks' comprehensive risk management methods and credit risk prevention and control technology are particularly weak.Peasant households refer to the most basic economic organization and peasant household loan refers to the loan from banking financial institutions to peasant households.At present,bank credit risk has become an important risk with the development of credit economy.An important goal of commercial Banks is to keep credit risk within a reasonable range by adopting certain control measures and management means.The theories that explain this theory include information asymmetry theory,principal-agent theory,total risk control theory and rural financial market theory.For power "san nong" career development,LS bank successively introduced many farmers loan product,at the same time of rapid growth of the size of the loan,peasant household loans the farmers themselves,bank management problems lead to farmers default rate increases,the credit risk appear constantly,thus make the poor peasant household loans balance and defective rate increasing,the merchant bank in a steady and high quality development have an impact,according to commercial bank as an example,through the combination of theory and practice,and its own factors,risk factors,farmers loans from the bank structure risk factors,farmers home to external macroeconomic factors in four aspects,This paper designs the credit risk evaluation system of peasant household loan in LS bank,and puts forward some countermeasures to control the credit risk in LS bank.LS bank peasant household loans the causes of credit risk is more complex,with lai commercial Banks as the research object analysis found that influence LS agriculture bank loans credit risk reason mainly has two aspects: on the one hand is an external factors,including the weak agricultural quality caused by farmers weak anti-risk ability,lack of collateral,poor peasant household production and operation,non-performing loans difficult to clean up,etc.;On the other hand,the internal causes include the imperfect credit system,the backward information construction of credit risk prevention and control,the unscientific internal management,and the misunderstanding of credit assessment and investment.According to this,this paper classifies the factors influencing the credit risk of farmers' loans in LS bank into four categories.The first is the bank's own factors,which mainly include internal control system,credit management level and staff operation level.Second,the risk factors of peasant household mainly include peasant household qualification,peasant household family status and moral quality.The third is the risk factors of loan structure,mainly including the credit scale,credit line,cycle and loan purpose.Fourth,external factors,mainly macroeconomic situation and local government supervision and intervention.Finally,in view of the problems existing in the credit risk control of farmers' loans in LS bank,countermeasures and Suggestions were put forward from the bank and the government.