| In 2022,the No.1 central document emphasized again that we should uphold and strengthen the party’s overall leadership in the work of agriculture,rural areas and farmers,firmly uphold the two bottom line for ensuring national security and food security and not scale the return to poverty.We must do a good job in rural development,rural construction and rural governance in a solid and orderly way,and promote new progress in Rural Revitalization and new steps in agricultural and rural modernization.This requires all walks of life to provide strong support for rural development.Rural economy can not develop without the support of rural finance.As the main financial institution serving "agriculture,rural areas and farmers",rural commercial banks shoulder important missions and responsibilities in improving people’s livelihood,narrowing the regional development gap and realizing common prosperity as soon as possible.However,in terms of practical development,although the agricultural loan business of agricultural commercial banks has developed well in recent years,the risks associated with it are also increasing,especially the high non-performing loan rate of agricultural loans and the frequent occurrence of agricultural loan risk cases.If we do not take effective measures to manage it in time,it will inevitably affect the effect of rural commercial banks supporting and promoting agriculture.This paper takes the Rural Commercial Bank of Jianshi County as the research object.Jianshi County is a typical rural area dominated by agricultural economic development.The per capita income level is not high and the degree of agricultural modernization is still low.In the process of agricultural industrialization,modernization and large-scale development,a large number of agricultural related funds are needed to effectively meet the scale needs of agricultural production and operation subjects.By studying the literature on risk control management of agriculture related loans at home and abroad in recent years,and comprehensively using the methods of literature analysis,field investigation and the combination of qualitative and quantitative methods,this paper first deeply analyzes the development process of Jianshi County Rural Commercial Bank and the general situation of the bank’s agriculture related loan business,and combs the scale of agriculture related loan business,seven types of agriculture related loan business and related processes.Secondly,it expounds the risk management and control status of agricultural loan business of Jianshi rural commercial bank,including five levels of loan classification,risk management organization structure,workflow and other measures,and makes a detailed analysis from four aspects: credit risk management,operational risk management,market risk management and liquidity risk management.Then,according to the instructions of relevant official documents of the China Banking and Insurance Regulatory Commission,the evaluation indicators are selected from three measurable dimensions to quantitatively evaluate the risk management of agricultural loans of Jianshi agricultural commercial bank,and the entropy method is used to give accurate statistical and econometric analysis conclusions.It can be seen that the agricultural loan of Jianshi agricultural business bank has a high amount of bad loans and there are some financial risks,which are mainly manifested in the following three aspects: from the aspect of loan management process,there are mainly problems such as risk identification,top note investigation is not precise,loan guarantee supervision is yet to be optimized,interdepartmental risk warning information lacks linkage,and loan responsibility management mechanism needs to be strengthened.From the perspective of risk assessment system,there are mainly some problems,such as the absence of risk early warning quantitative assessment mechanism,the lack of universality of risk assessment methods and the narrow range of risk assessment indicators;From the perspective of risk culture cultivation,there are mainly problems such as the lagging construction of risk management culture and the shortage of talents in agricultural credit management posts.Based on the above analysis,aiming at the main problems existing in the control of agricultural credit risk and combined with the local actual situation,this paper studies and puts forward countermeasures and suggestions to optimize the risk prevention and control of agricultural loans of Jianshi agricultural Commercial Bank:first,we should improve the risk management process and build a strong credit defense line.Specifically,we can check the approval of agricultural credit,improve the level of credit guarantee pledge Build a risk early warning linkage platform and improve the post loan supervision and management mechanism;Second,it is necessary to optimize the risk assessment system and improve the efficiency of risk control.Specifically,it can be carried out from the aspects of building a new risk early warning quantitative assessment mechanism,establishing a credit subject risk classification assessment method and broadening the scope of risk rating identification;Third,we should pay attention to the cultivation of risk culture and the promotion of human capital,which can be carried out from the aspects of establishing the training mechanism of risk control management system and introducing credit risk management professionals.Through the research of this paper,it is expected to provide some reference and reference for Jianshi County Rural Commercial Banks to improve the risk control ability of agriculture related loans,and also provide beneficial practical exploration for rural commercial banks to better serve the county rural economic development and increase farmers’ income,effectively resolve the "three rural" problems and promote rural revitalization. |
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