Research On The Improvement Of Credit Risk Management Of Agricultural Enterprise Loan Of Lanzhou Rural Commercial Bank

Gansu Province is located in the underdeveloped western region.As a large agricultural province,the impact of the problem of agriculture,rural and farmers cannot be underestimated.Gansu Province needs to transform from traditional agriculture to modern agriculture.As a small and medium-sized commercial bank serving the local economy,the Lanzhou Rural Commercial Bank needs to improve the transformation and development ability and comprehensive service level of the agricultural credit business in order to solve the problem of agriculture,rural and farmers.The Lanzhou Rural Commercial Bank should take measures to achieve the healthy,steady and rapid development.Opportunities and challenges coexist.In view of the single status of Lanzhou rural commercial bank's "deposit,loan and settlement" business,to cope with the situation that the quality of credit assets is difficult to guarantee,the credit risk management system is not perfect,and the ability to resist risks is weak,this paper discusses the risk management mechanism of agricultural enterprise loans,which accounts for a large proportion of its credit assets.Therefore,it is practical and helpful to control the overall non-performing loan rate,to improve the quality of credit assets and to manage credit risk effectively.Based on the above research background,on the basis of combing the theory of credit risk management and consulting a large number of relevant literatures,this paper compares the traditional credit risk management evaluation method used by Lanzhou Rural Commercial Bank for agricultural enterprise loans with the international modern credit risk evaluation model to find defects.At the same time,combined with questionnaire survey,agriculture-related enterprises give an real evaluation of the credit risk management and operation mode of Lanzhou Rural Commercial Bank.Secondly,through the statistical analysis of the survey results,I point at the problem to explore the reasons one by one.The innovative futures hedging tools transform the traditional "order agriculture" into "futures agriculture",and form a forward-looking and targeted promotion plan.Finally,in order to ensure the effective implementation of the scheme,it is necessary to guarantee the implementation of the whole process in the aspects of information management,personnel scheduling,rules and regulations,so as to achieve the expected operation effect.This paper has the function of standardizing the loan business process and innovating the credit risk management mechanism of the agricultural enterprises in Lanzhou Rural Commercial Bank.It also help the local agricultural cooperative institutions in Northwest China to find new methods to solve the same or similar problems.Finally,the steady development of loan business for agriculture-related enterprises will be realized.