Research On The Optimization Of Farmers’ Loan Risk Control In Ningcheng Branch Of Agricultural Bank Of China

In the process of rural revitalization,Ningcheng Branch of Agricultural Bank of China actively responded to the call of the state,provided convenient financial services and sufficient credit funds for rural customer groups continuously,but its farmers’ loan risk is also gradually increasing.Therefore,Ningcheng Branch of Agricultural Bank of China urgently needs to improve the level of farmers’ loan risk control in order to achieve its healthy,stable and sustainable development.This paper takes Ningcheng Branch of Agricultural Bank of China as the research object,and it conducts an overall study on the development status and risk control of its farmers’ loan business.Using the questionnaire survey method to analyze the problems existing in the risk control of the farmers’ loan business of Ningcheng Branch of Agricultural Bank of China.Such as the "three checks" of loan and customer access are not objective and detailed enough;credit rating and lending rate pricing are not scientific and rigorous;defects in product and approval system;lack of professional quality and experience of customer manager;weak customer credit awareness;weak anti risk ability;less market analysis ability;serious homogenization of operation,etc.This paper formulates the principles and objectives of optimizing the farmers’ loan risk control of Ningcheng Branch of Agricultural Bank of China,and puts forward the strategies from five aspects: improving the credit risk control mechanism,strengthening the ability of operational risk control,optimizing the market risk control system,enhancing the effectiveness of regional risk control and build an overall coordination mechanism for risk control.Finally,the paper puts forward some measures to ensure the smooth implementation of the optimal scheme of farmer loan risk control in Ningcheng Branch of Agricultural Bank of China,which are respectively to create the internal and external environment for farmers’ loan risk prevention and control,cultivate the credit risk control cultural system,raise the risk control talent team and improve the credit information system.