Rural Credit Market Risk Management 农村信贷市场风险管理

1. Rural Credit Market Risk Management农村信贷市场风险管理 Presented by Zijuan Cao

2. Outlines 　主要内容 • Main Challenges in China’s Rural Financial System 中国农村金融体系及目前面临的主要问题 • Outlines to Manage the Rural Credit Risk in China 中国加强农村信贷风险管理的基本思路 • Measures and Experiences in Managing the Rural Credit Risk 中国在管理农村信贷风险方面的探索和经验

3. Main Challenges in Rural Financial System中国农村金融体系及目前面临的主要问题 • the Rural Financial System in China In about ten years’ developments, the rural financial system has been formulated, based on the cooperative finance, with commercial finance and policy finance performing their own duties and cooperating with each other. • 中国农村金融体系 经过十多年的发展，中国已经初步形成了以合作金融为基础，商业金融、政策金融分工协作的农村金融体系。

4. Main Challenges in Rural Financial System中国农村金融体系及目前面临的主要问题 • Main Challenges in China’s Rural Financial System 中国农村金融体系面临的主要问题 Firstly, a large amount of deposits in the rural area flows to the city. 一是在县域经济的存款市场上，资金外流问题比较严重。

5. Main Challenges in Rural Financial System中国农村金融体系及面临的主要问题 Secondly,the volume of loan in rural area, extended by the commercial banks and policy banks, is not enough to meet the need. Cooperative finance institutions make more loan than before, but can not provide sustainable services. 二是在县域经济的贷款市场上，商业银行和政策性银行投入力度不够，合作金融机构贷款投放有所增加，但后劲不足。

6. Innovations in rural financial products and services农村金融产品和服务方式创新 Village and Town Bank, Loan Company, Rural Mutual Cooperative, Microloan Company. 村镇银行，贷款公司，农村资金互助社，小额贷款公司 State-owned bank;Agriculture Development Bank of China. 国有商业银行;中国农业发展银行 Rural financial market with moderate competition适度竞争的农村金融市场 government finance performs its functions发挥财政资金作用 Promoting capital to flow back to the rural 促进农村资金回流 Outlines to Manage the Rural Credit Risk in China 中国加强农村信贷风险管理的基本思路 the Rural Credit Cooperatives 农村信用合作社

7. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验 • One of them is to push the innovations in the rural financial institutions which increase rural financial system’s risk prevention, and disperse the risks efficiently. • 一是推动农村金融服务组织创新，进一步提高了农村金融体系的抗风险能力，有效分散农村信贷风险。

8. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验

9. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验

10. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验 • Another is that innovations in rural financial products and services are guided and encouraged to low the default risk. 二是积极引导银行业金融机构创新农村信贷产品和服务方式，降低贷款的信用违约风险。

11. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验 Small Credit Loan 小额信用贷款 The Type of Loan With the Leading Enterprises in Agriculture Industrialization Plus Peasants “农业产业化龙头企业+农户”的信贷模式

12. Measures and Experiences in Managing the Rural Credit Risk中国在管理农村信贷风险方面的探索和经验 • The last is to promote the innovations in rural financial mechanism. 三是推动农村金融机制创新

13. Measures and Experiences in Managing the Rural Credit Risk中国在农村信贷风险管理方面的探索和经验 Rural credit cost is higher and risk is larger than those of other industries, so it is impossible for the banks to afford the risks by themselves, and it is essential to combine bank credits with government finance and insurance. 农村信贷服务成本高、风险大，单靠银行机构自身的风险管理能力是不够的，必须加强金融与财政、信贷与保险等方面的合作。

14. Thanks for Your Attention 谢谢大家