Study On The Risk Management Of Peasant Household Micro Loan In BD Branch Of Agricultural Bank Of China

Small loan business of farmers plays an important role in supporting rural economic development.Financial support of small loan can eliminate rural poverty and narrow the gap between urban and rural areas.The role of small loans to farmers has been recognized and actively adopted by all countries,especially developing countries.China began to introduce the concept of rural small loan in the 1990 s.Although rural small loan started relatively late,after nearly 30 years of efforts and exploration,rural household small loan business has achieved good results.Farmer small loan has become the main force of rural economic development in China,which effectively solves the problem of financing difficulties of farmers in rural poor areas.Of course,peasant household small loan is also an emerging financial business.With the progress of time and the efforts of financial workers,certain experience and lessons have been accumulated.Of course,there are risks in any credit business,as well as small loans to rural households.These risks directly affect the income and development of bank credit institutions,the effective solution of "three rural issues",and the sustainable development of rural economy.Agricultural bank as one of China's four big Banks,more for the difficult task,the agricultural bank as a credit institutions have to face these problems,solve the business development of peasant household credit,market,operation risks,the risk of obstacles,which requires the bank update risk management concept and improve loan risk control level,on this basis,actively to find a suitable for farmers microcredit business the actual risk management ideas and effective measures.This paper takes the risk prevention and control of peasant household small loan of ABC BD branch as an example to study the problems in risk management of peasant household small loan.ABC BD branch through analysis of peasant household microfinance risk management status,found some shortcomings,such as credit risk management,risk management,regional operation risk management and market risk management and so on four aspects,objective expounds the farmers BD branch of peasant household microfinance risk management existence question,and an objective analysis of the causes of the problem.Finally,combined with the characteristics of rural household small loan in ABC BD branch,this paper proposes solutions to the risk management problems of rural household small loan in ABC BD branch from two aspects,including basic ideas of risk management and risk management countermeasures and Suggestions.