Research On Risk Management Of Rural Loan Credit In Fumeng Rural Credit Cooperative

With the victory of the 19 th National Congress of the People's Republic of China,the Party Central Committee regards "precision poverty alleviation and rural revitalization" as one of the party's three major battles in the new period.Finance is the lifeblood of rural revitalization and plays a pivotal and indispensable role in the process of poverty alleviation In recent years,with the gradual acceleration of physical financial investment in the agriculture,rural areas and farmers,the risk management of agricultural credit has become increasingly prominent.Affected by factors such as poor resistance to risks in the rural economy and weak risk awareness of farmers,the proportion of non-performing agricultural loans is still high,and the risk prevention and control of agricultural loans has also become the biggest obstacle to restricting the development of rural credit,which has made many banks discouraged from agricultural businesses.For the Fumeng Rural Credit Cooperative,which is mainly involved in agricultural loans,it is imperative to do a good job in the prevention and control of agricultural credit,which is the key for enterprises to improve asset quality and achieve better and faster development.This article starts with the Fumeng Rural Credit Union and aims to strengthen the risk management capabilities of the rural credit system to ensure accurate identification and effective control of agricultural credit risk management.The article fully combines the local natural and economic conditions of Fumeng County.In-depth analysis of the current status,overall development and operation of agricultural loan management of Mengnongxin Association.In view of the current operating situation of Fumeng Rural Credit Union,the company discovered problems from three aspects: the enterprise's agricultural credit policy,credit process and personnel responsibility awareness.It also sorts out and analyzes the three problems in the management process to find out the cause of the problem.First of all,in terms of policy,due to factors such as untimely adjustment of credit policies,poor credit environment,and lack of policy support,credit cooperatives are outdated in agricultural-related credit policies and failed to update in time;secondly,in terms of processes,due to the lack of corporate customer information Symmetry,imperfect credit system,imperfect risk early warning mechanism,resulting in loopholes in the credit process;again,in terms of personnel,due to the uneven quality of employees,the assessment system is imperfect,and the subsequent business training cannot be followed up in time,resulting in employees' abilities The level,sense of responsibility,and sense of prevention have declined.On this basis,combined with the causes of the above problems,specific countermeasures and suggestions are given.First,in terms of credit policy,it is necessary to adjust the agricultural credit policies of enterprises in a timely manner,keep up with the development of the times,strengthen communication with the government and regulatory authorities,and innovate financial products that advance with the times.Second,in terms of credit management system,it is necessary to further improve the risk management system of agricultural-related credit business,increase the awareness of risk management before,during and after the loan,introduce artificial intelligence and other methods,optimize the risk prevention and control mechanism,and ensure the regulatory process Full coverage to improve the risk prevention and control effect.Thirdly,in terms of talent cultivation,it is necessary to optimize the talent cultivation mechanism to improve employees' sense of responsibility and business ability from four aspects of selection and employment,assessment and incentives,business training,and corporate culture construction,so as to ensure the health of the risk management of agricultural loans Provide solid guarantee for development.