Research On The Risk Management Of Agricultural Loans In YQ Rural Commercial Ban

At present,with the slowing down of economic growth and the gradual emergence of financial risks,the risk management pressure of banks is getting bigger and bigger.The reform of rural commercial banks started relatively late,the scale of operation is small and the area of operation is concentrated.Therefore,Chinese rural commercial banks are still at the beginning stage in terms of risk management.The main characteristics of agriculture-related loans are low loan interest rate,small credit line,short credit term,difficult to prevent risks.And in the economic downturn,agriculture-related loans have poor risk tolerance.At present,there are a large number of non-performing loans in the agriculture-related loans of YQ Agricultural Commercial Bank,which seriously affects the development of its agriculture-supporting business.Therefore,how to improve the risk management level of agriculture-related credit and better support the development of rural finance is of great significance to YQ Agricultural Commercial Bank.Therefore,based on the theory of information asymmetry and the theory of comprehensive risk management,this paper selects YQ Rural Commercial Bank as the research object.After collecting the actual data of the bank’s agriculture-related loan business,it summarizes the index factors that have an important impact on the risk management of agriculture-related loan,and uses the factor analysis method to identify the main influencing factors.Using quantitative analysis method,this paper evaluates the risk management of agriculture-related loans of YQ Agricultural Commercial Bank,and points out that the problems it faces in the risk management of agriculture-related loans are mainly manifested as inaccurate risk identification,low risk control and weak risk disposal.The main reason is that the bank’s organizational structure is not perfect,the management mechanism is not perfect,the system is not complete,the cultural construction is not mature.Therefore,this paper puts forward feasible countermeasures from the aspects of optimizing the organizational framework of agriculture-related loan risk management,improving the agriculture-related loan risk management system,perfecting the operation mechanism of agriculture-related loan risk management,promoting the construction of agriculture-related loan risk management culture,etc.,providing a new way for the steady development of YQ Agricultural commercial Bank,so as to better serve the development of local economy.