Analysis on Risk Management of Agricultural Policy Bank’s Agricultural Loan

Abstract

As an important part of the rural fi nancial system, agricultural policy banks play an important role in promoting rural economic development. Agriculture loan are the core business of agricultural policy banks. To properly carry out this business and eff ectively avoid the risk of agriculture loan is of great practical signifi cance for serving “Three Rural Issues” well and fulfi lling the mission entrusted to agricultural policy banks by the CPC Central Committee and the CBRC. However, at this stage, agricultural policy banks still have some risks in the process of carrying out agricultural loan business. This paper makes a detailed analysis on the risk management of agricultural policy banks’ agricultural loan.First, the paper expounds the relevant concepts of agricultural policy banks’ agricultural loan risks, and then points out the common problems of agricultural policy banks’ agricultural loan risk management at this stage, Finally, the paper puts forward several optimization suggestions to improve the risk management level of agricultural loan of agricultural policy banks, hoping to provide some theoretical information reference for promoting the sustainable and stable development of agricultural policy banks.