| Under the new normal of China’s economic and social development,China’s rural financial development will receive more attention from society,and how to alleviate the problem of China’s rural financial lag and promote the development of China’s rural financial reform work has become the core of the current financial management work of various government departments on the overall agriculture.The micro-credit business for farmers has become an indispensable part of China’s rural financial development as it provides financial support to the majority of farmers and effectively solves the problem of difficulty in accessing money.In this thesis,we focus on the micro-credit loans of farmers in X City Rural Commercial Bank,and for the first time,we review the development and distribution of local finance and systematically analyzed the current situation of the development of X City Rural Commercial Bank.In the course of the study,the rural commercial banks in X City,Y Province,are represented by some loan risk problems when carrying out small credit loan services for farmers.We understand the current situation of small credit loans to farmers through business overview,business classification and business process,and deeply analyzed the risk management framework,process and system through the whole process loan risk management.Secondly,the factors of risk management of small credit loans to farmers in X City Rural Commercial Bank are analyzed from the perspectives of external economic environment,internal management and comprehensive strength of borrowing subjects.Logistic regression models are used as a research method to analyzed the risk management of personal credit loans,from which variables with high correlation significance are derived,presenting an intuitive data analysis reference for the industry’s later credit risk management.There are suggestions on how to prevent risks in the external economic environment,improve internal management and identify risks to borrowers in order to propose targeted responses that can be useful to rural commercial banks in China for their small credit loan business to farmers. |
