Rural Credit Market Risk Management 农村信贷市场风险管理. Presented by Zijuan Cao. 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
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Presented by Zijuan Cao
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.
Firstly, a large amount of deposits in the rural area flows to the city.
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.
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
Small Credit Loan
The Type of Loan With the Leading Enterprises in
Agriculture Industrialization Plus Peasants
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.