Research On Risk Management Of Agricultural Bank Of China C Branch In Agricultural Loan Business

In the process of our historical development,the continuation of civilization and people’s life can not leave agriculture,each historical period,agriculture has the pivotal role of development.In modern times,as our country attaches importance to three rural issues,our agriculture development has also been gradually advanced.It not only promotes the rapid development of agriculture and related industries,but also gradually establishes a more perfect industrial chain of agricultural development and market economy,and then causes the continuous increase of the demand for financial services in the process of agricultural development.Our agricultural finance plays a very important role in the process of solving the problems of agriculture and agriculture.However,at present,some banks still pursue the rate of return of agriculture-related loan business in order to achieve market profits,one-sided pursuit of the amount and number of agriculture-related loan issuance,and there are many deficiencies in ideological understanding,qualification examination,risk management technology and methods,which lead to huge hidden risks.At present,all banks have realized the importance of risk prevention and control of agriculture-related loan business,and have adopted risk management methods for agriculture-related loan business,but they are still in the stage of improvement.It is still an urgent problem for banks to improve the risk management level and optimize the management measures.Based on practical work,this paper takes Agricultural Bank of China C Branch as the research object the risk management of agriculture-related loan business.First of all,the concepts and theories related to agriculture-related loan business are summarized by reviewing relevant literature,which provides a theoretical basis for this paper.Secondly,the risk management status of Agricultural Bank of China C Branch of agriculture-related loan business is expounded,and the risk management process of the bank is sorted out,which provides a realistic basis for this paper.The research results show that Agricultural Bank of China C Branch should improve the risk management level of agriculture-related loan business from the following four aspects: first,improve the level of credit granting and approval for farmers in C city;Second,Agricultural Bank of China C branch to establish credit risk management procedures;Third,Agricultural Bank of China C Branch to establish the whole process risk management mechanism;Fourth,the Agricultural Bank of China C Branch has established an immediate risk identification and evaluation mechanism,hoping to improve the risk management level of Agricultural Bank of China C Branch in the agriculture-related loan business,which will bring reference and reference significance for the risk management of agriculture-related loan business of Chinese banks,and further promote the healthy and sustainable development of the market of agriculture-related loan business.