Research On Risk Control Of YN State-owned Agricultural Credit Guarantee Company

China is a big agricultural country,and agriculture is the foundation of China’s national economy and an important industry that has a bearing on the national economy and the people’s livelihood.The modernization and development of the economy has promoted the process of agricultural modernization,and new agricultural business entities such as small and micro agricultural enterprises,large professional households,family farms,and farmers’ cooperatives have become the backbone of agricultural development.However,due to the weak ability of agricultural production to resist risks,long production cycle,low rate of return and other factors,agricultural enterprises and agricultural development generally face the bottleneck of financing difficulties and expensive financing.In order to solve this problem,China has begun to explore the establishment of a national agricultural credit guarantee system since 2015,by providing guarantee services for new agricultural business entities,on the one hand,to increase the credit of borrowers,on the other hand,by sharing risks,increasing the confidence of financial institutions in lending,and guiding more financial living water into agriculture and rural areas.China’s agricultural credit guarantee institutions started late,the relevant research is not rich,and lack of practical experience,in the stage of "touching stones and crossing the river".Agricultural credit guarantee institutions do a good job in risk control,which is of key significance to its long-term and healthy development.Taking YN State-owned Agricultural Credit Guarantee Company as an example,this paper summarizes the existing problems and puts forward optimization suggestions through the analysis of each link of its risk control,laying a solid foundation for ensuring its steady development.In terms of research methods,this paper mainly adopts the case analysis method,that is,the risk control system of YN State-owned Agricultural Credit Guarantee Company is the main line,and the risk control process and method are expounded;Secondly,the inductive method is adopted to combine the problems existing in the risk control of the YN state-owned agricultural credit guarantee company,as well as suggestions for improvement.Through the optimization of the risk control of YN State-owned Agricultural Credit Guarantee Company,it is hoped that it will provide a reference for the risk control of state-owned agricultural credit guarantee companies in other provinces and cities across the country with a small view,and provide some ideas for gradually improving the risk management level of the national agricultural burden system.