农村信贷风险控制探究.pdf

Subject : Study on Rural Credit Risk Control
Specialty : MBA
Name : (Signature)
Instructor : Li Yongqing (Signature)
ABSTRACT
Along with the deepening implementation of the “three dimensional rural” policy with
national supports, "three rural", the rural economy level is continuously developing, the
banking credit supports and efforts for rural is increasing. As an important part of agricultural
loans in rural areas, the size of the loans are steadily increasing year by year, however,
because of the influence of subjective factors, issues such as the limited development level,
the limited amount and the needs of the "three dimensional rural" can hardly be met, is still
widely existed in rural finance innovation.
Focused on how to dissolve the risk of rural credit,this article launched the application
research on rural credit risk control. Based on the understanding of the research status both at
home and abroad, reviewed the development history of rural credit, the article separately gave
definition and category to rural credit risk and discussed the characteristics of rural credit risk
from the three aspects of agricultural industry, farmer behavior, and the rural area; The article
elaborated the related theory of rural credit risk; Made Analysis on the rural credit risk forms,
began with the rural credit risk control for present situation, discussed the difficulties and
constraints of the rural credit risk control; Proposed the overall method path on the
construction of the rural credit risk index evaluation system and the evaluation index system
of rural credit analysis; Followed the designing principles of rural credit evaluation index
system, this article established a rural credit risk evaluation index system, illustrated the index,
and designed the farmers credit rating template; Made empirical analysis based on the design
of the rating template, which was a prove for the applicability of the scoring template; Put
forward counterme