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The Credit Risk Management of Rural Micro-finance

Author: QiaoChuanChuan
Tutor: XinYao
School: Guizhou College of Finance and Economics
Course: Finance
Keywords: Microfinance Credit Risk The theory of expected income loans Five-category classification Credit rating
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 193
Quote: 0
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Abstract


China from the early 1990s to introduce Microfinance alleviate farmers unsecured, mortgage loans caused the problem. Played an active role in supporting agricultural production and farmers' income and rural economic development, rural financial system, but farmers small loans to carry out the process, there are still some problems and deficiencies, restricting its sustained and healthy development. The so-called Microfinance, point to lack of collateral or the loans secured by the low-income farmers. From credit risk characteristics, formed on the farmers microcredit credit risk reasons, and based on the theory of expected income to determine farmers loan amount of credit risk management theory, the theory has changed must sufficient collateral or guarantor before traditional loans credit of thinking, a new concept for the development and management of Microfinance. The theory of expected income actually is to allow the borrower to sell part of their future income, or income and future income index, changes in income in the life cycle time configured to transfer the current poor economic conditions, lack of collateral. credit risk of loans. Theory of expected income loans must be the law of large numbers and asset diversification principle, market-oriented microfinance combined to reduce and control credit risk. Article on this issue in Guizhou Province, for instance the empirical analysis, ARIMA time series forecasting model to predict the per capita net income for the next four years, the average household an average line of credit and then come to the area, and then based on the credit rating of the farmers , factors such as the use of the loans to be adjusted to determine the user's line of credit. Simple loans issued pursuant to this theory, but also there is a risk, therefore must match a good microfinance management system. Rural microfinance system the following question: imperfect rural credit reporting system, moral hazard exist willful default; not high the employees overall quality of the rural credit cooperatives; dispersion of credit risk and guarantee mechanism is unsound. In this paper, to manage the credit risk from the following four aspects. First, go the sustainability of the market-oriented microfinance, including the interest rate market, the diversification of the use of the loans, reduce government intervention, as well as flexible repayment methods, the Forest Right Mortgage. , Regulate the farmers credit rating required for a variety of information, a combination of qualitative and quantitative analysis methods accurately and scientifically farmers rating by experts; should pay attention to the rating information distortion, a mere formality and other issues. Third, the standardization of the the microfinance five classification standards describe normal Microfinance, concerns, substandard, doubtful, loss loans detailed characteristics. Proposed policy arrangements, should be assisted by the Government to give farmers tax benefits of microfinance institutions, legalize civil microfinance institutions strengthen agriculture insurance, agriculture orders, construction. This study Microfinance risk management, as well as the sustainability of the microfinance institutions have a certain significance. The main innovation of this paper: one, from the point of view of the theory of income related to loans to study the credit risk management of the farmers, so that farmers can reduce the guarantees or will be able to obtain loans without mortgage-backed. The theory as a basis for protection of credit risk management, combined with the law of large numbers and asset diversification principle to control the social systemic risk. Guizhou Province as an example, using the ARIMA time series model to determine the amount of Microfinance quantitative analysis from the point of view of the farmers net income. , Under the premise of the theory of expected income loans and other basic security, further explanation from the social credit system, the internal control management to strengthen microfinance institutions to manage credit risk, and proposed the construction of the credit discipline extol mechanism; standardized farmers The five classification standard; fully microfinance in full to extract reserves to guarantee the stability of the capital of microfinance institutions and anti-risk sex.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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