Study On Credit Risk Management Of Poverty Alleviation Loan For W Rural Commercial Bank

Since the beginning of the last century,the most important task of our country,whether now or in the future,is to fight poverty.By 2020,The Party and State's historical mission and its commitment made to the people is that they are to ensure that all poor areas and people have full access to the Xiaokang.Since then,the party's Nineteen National Congress has given high recognition to the achievements made in the fight against poverty,and the fight against poverty has achieved better results.Among the poor,those lifted out of poverty account for 700 million;in the meanwhile,the poverty incidence,however,has dropped to less than 3%,compared with the earlier 10%.The number of unemployed persons has dropped by a large margin,and the employment situation has improved markedly.More than 13 million new urban jobs have been created each year.The income of urban and rural residents is higher than the economic growth rate,and the middle income scale is getting bigger and bigger.Great efforts have been made in restructuring and improving the people's livelihood.The coverage of social security for urban and rural residents has been continuously increased,a social security system Having been basically established,the social security system,to a large extent,has improved people's health levels as well as medical and health services,steady progress has been made in the construction of state-subsidized housing.In order to support the national policy and solve the problem of farmers' financing difficulties,W rural commercial bank has carried out the project of poverty alleviation loan.For a long time,as the main force of local rural finance,W Rural Commercial Bank has always taken serving "agriculture,rural areas and farmers" as its responsibility,and has played an important role in developing agriculture,building economy and increasing farmers' income,the loan demand of local farmers was effectively solved.However,with the passage of time,the risk of pro-poor loans also began to reveal clues.Compared with other types of loans,the non-performing rate of poverty-relief loans for rural households has been rising year by year,and the poverty-relief loans for rural households have become a heavy burden for the development of w agricultural and Commercial Bank.However,in the face of the call for state support for agriculture,rural areas and farmers,as well as the high non-performing rate of the rural household poverty-alleviation loans,we have managed to control the risk of the rural household poverty-alleviation loans,reduce the non-performing rate of the rural household poverty-alleviation loans,and develop the rural household poverty-alleviation loans in a healthy and orderly manner,to be a problem that must be solved in the development of w Agricultural Bank of commerce.This paper is aimed at the problem of the high non-performing rate of the poverty-alleviation loans for rural households,and based on the relevant research on the risk of the poverty-alleviation loans for rural households in the literature at home and abroad,this paper analyzes the factors that influence the credit risk of W agricultural and commercial bank in dealing with the business of helping the poor farmers.The first part of the article is the background of the article,the motivation and role of the study were elaborated,collated domestic and foreign literature on the impact of credit risk in pro-poor loans,then it is a whole list of domestic and foreign research data on the management of the credit risk of pro-poor loans.The second chapter introduces the basic characteristics of the rural household poverty-relief loan and the credit risk forms of the rural household poverty-relief loan,and from the point of view of Information asymmetry theory,this paper expounds the situation of farmers' poverty alleviation loan default,which is a theoretical supplement to the research of this paper.In the third chapter,starting from the business development structure of w agricultural and commercial bank,this paper introduces the Development Situation and the loan management situation of the poverty alleviation loan for rural households over the years,then,based on the data of a sub-branch of WACB in 2012 and 2013,the Logit model is established for empirical analysis,and the actual data is raised to a theoretical point of view,the factors that have a significant impact on the default of the loan are the borrower's age,the borrower's education,the borrower's work,the borrower's integrity and so on.In the fourth chapter,based on the Logit model,this paper puts forward the risk prevention countermeasures of the farmers' poverty alleviation loan management,and puts forward some management suggestions combined with the management status of w agricultural and commercial bank.Hope to be able to provide some guidance to W Agricultural Bank of Commerce in the management of farmers poor credit risk.