Research On Bank Loan Credit Risk Management Of Farmers

The Strategic Plan for Rural Revitalization(2018-2022)issued by the CPC Central Committee and the State Council pointed out: " In building a moderately prosperous society in all respects and building a strong modern socialist country in all respects,the most arduous and arduous task lies in rural areas.The broadest and profound foundation lies in the rural areas,and the greatest potential and sustainability lies in rural areas." Under the promotion of inclusive finance,rural finance will create a healthy and stable rural financial ecological environment,effectively improve the availability,convenience,coverage and satisfaction of rural financial services,give full play to the supporting role of finance in the rural economy,implement the rural revitalization strategy,and adhere to the priority of agricultural and rural development.Farmer loans as a very important link in rural finance,farmers’ loans are mostly unsecured credit loans,credit loan risk is an important factor that threatens the sustainable development of the banking industry,good credit risk management to promote banks also better promote the healthy development of green agriculture,this paper around the information asymmetry,credit management,credit risk management and rural finance three major schools of theory,expounded farmers and farmers loans,credit risk,of the two core concepts.Under the current credit risk management mechanism of bank agriculture-related loans,this study takes farmers in Anxi county as the research object,describes the basic situation of sample farmers’ families and the current situation of farmers’ financing through questionnaire surveys and literature research,analyzes the problems existing in rural inclusive finance of banks through questionnaire data analysis,analyzes the causes of credit risk of bank farmers’ loans from external and internal perspectives,and on the basis of existing research,uses empirical analysis to affect the credit risk factors of farmers’ loans,based on this,from the central bank,commercial banks,Insurance institutions,governments,two village committees,agriculture-related enterprises and universities have proposed credit risk control measures for farmers’ inclusive financial loans from multiple angles.Anxi county bank rural inclusive finance development mainly has the problems of low penetration rate of agriculture-related loans,low coverage of rural inclusive financial informatization and high operating costs of rural inclusive finance,the reasons for the credit risk of farmers’ loans are more complex,and the analysis of farmers in Anxi county as the research object found that there are two main reasons affecting the credit risk of farmers in Anxi county: on the one hand,there are external causes,mainly for the problems existing in the loan services of formal financial institutions and the factors considered by farmers when choosing financial institutions,etc.,on the other hand,internal factors For example,the level of education and culture of farmers and the level of cognition of bad credit records.Based on this,this paper classifies the factors affecting the credit risk of farmers’ loans into two aspects: financial literacy and compliance level.Finally,from the two levels of supply side and demand side,corresponding suggestions are made for the credit risk management of farmers in Anxi county.