Research On The Risk Management Of Peasant Household Loan Under The Mode Of "Whole Village Credit" Of Y Rural Commercial Bank

In the face of the complex and volatile internal and external situation,the CPC Central Committee has put forward that we must focus on the top priority of "agriculture,rural areas and farmers",stabilize the basic structure of agriculture,and continue to comprehensively promote rural revitalization.At the same time,it has clearly put forward the requirements of"strengthening financial services for rural revitalization".In this major situation,rural commercial banks,as the vanguard of rural finance,should resolutely take practical measures to fulfill the social responsibility of serving"agriculture,rural areas and farmers"and helping rural revitalization.On the one hand,rural commercial banks should vigorously promote the innovation of financial system,financial products and service mode,and further improve the rural financial service system.On the other hand,faced with the uncertain risks of continuous pressure,rural commercial banks should earnestly improve their political stance,adhere to the principle of stability,seek progress while maintaining stability,strengthen the awareness of winning risk control,put risk prevention and control in a more prominent position,further improve the risk management ability and refinement level,and improve the timeliness,pertinence and effectiveness of risk control.Firmly hold the bottom line of no major risks.Under the guidance of the rural revitalization strategy,in order to further optimize rural financial services and continuously improve the loan access rate,convenience and coverage of rural households,Y Rural Commercial Bank combined with the local rural financial situation,launched a new micro-credit operation mode named "Whole village credit".This model has played a positive role in helping rural household loans.However,with the passage of time,the risk of rural household loans under this model has gradually emerged,and the non-performing loan rate has been rising in the past three years.In order to realize the improvement and optimization of farmers’ loan risk management under the mode of "whole village credit" of Y Rural Commercial Bank and promote the improvement of credit asset quality of Y Rural Commercial Bank,this paper combines the actual situation of farmers’loan operation under the mode of "whole village credit" of Y Rural Commercial Bank and carries out research with the idea of raising,analyzing and solving problems.Based on the current situation of farmers’ loan risk management under the mode of "whole village credit"of the bank,the existing problems and causes of risk management are analyzed,and the improvement countermeasures and safeguard measures are put forward.Based on the business process of peasant household loan under the mode of "whole village credit" of Y Rural Commercial Bank,this paper starts with risk identification,risk assessment,risk monitoring and risk control,and adopts methods such as literature research,data analysis,interview and field investigation to study and analyze the actual practices and existing problems of risk management in the pre-loan,mid-loan and post-loan stages.Furthermore,the causes of the problems are analyzed,so as to put forward targeted and effective countermeasures:first,improve the establishment and collection of indicators,improve the level of risk identification;Second,optimize customer risk rating and management,enhance risk assessment ability;Third,strengthen post-loan management and system construction,improve the level of risk monitoring;Fourth,improve risk control means and accountability measures,improve the risk control system.In order to improve the feasibility of the implementation of countermeasures,this paper also put forward the safeguard measures from human resources,information technology,audit supervision,corporate culture and other four aspects.