Research On Risk Management Of Agriculture-Related Loans Of Bank C NX Branch

Finance is the core of the modern economy,and finance also plays an important role in the implementation of the rural revitalization strategy.However,due to the natural weak nature of agriculture,it is more difficult for financial institutions to effectively identify risks,the cost of agriculture-related credit business is high,and the motivation for business development is insufficient.How to improve the level of risk management,effectively balance the risks and benefits of agriculture-related credit business,and then promote the steady development of agriculture-related credit business is of great practical significance to financial institutions.As the western branch of a large joint-stock commercial bank,Bank C NX Branch has established a relatively mature credit business risk identification,assessment,monitoring and control system after years of development,but due to its historical professional positioning,characteristic attributes,lack of attention to agriculture,deep cultivation of agricultural business tradition,in the face of the natural high risk and lack of effective guarantee of agriculture-related loans,NX Branch’s agriculture-related loan business risk exposure has increased,and the development momentum is insufficient.Based on the basic development of Bank C NX Branch,the structure of agriculture-related credit business and the asset quality status,this paper summarizes the risk management status of agriculture-related credit business,and analyzes the problems and causes in agriculture-related credit risk management in combination with specific risk cases.Corresponding countermeasures and suggestions are put forward from strengthening the risk identification and control of credit sources,strengthening the innovation of agriculture-related credit guarantees with the times,improving policy support and guarantee in multiple dimensions,and strengthening the application of big data tools.Based on the above research,this paper argues that state-owned commercial banks such as Bank C NX Branch should comprehensively improve the risk management capabilities and levels of agriculture-related credit business in combination with the current economic and policy environment,agricultural production mode and information technology and other constantly changing external environment,and further focus on increasing credit investment in agriculture-related fields while effectively preventing agriculture-related credit risks,so as to help the national rural revitalization strategy.