On the one hand, due to the existence of "credit risk" in farmers' micro-credit loans, in view of the uncertainty of "human nature", the loan guarantee mechanism is appropriately introduced into farmers' loans to spread the potential risks of loans, so that ordinary people can supervise each other and form a good atmosphere of integrity. On the other hand, rural credit cooperatives are people's own banks, which serve agriculture, countryside and farmers. However, due to the low efficiency of agricultural investment and the great influence of natural factors (such as the once-in-a-century drought in our city this year), the state should give policy support to credit cooperatives from different angles. For example, bad debts caused by natural factors can be considered, and the state finance will allocate some funds for write-off. Whether the business tax on the interest income of agricultural loans can be reduced or not can not only reduce the financial expenditure of credit cooperatives and improve their competitiveness, but also greatly improve the enthusiasm of ordinary people for agricultural production and promote the continuous development of agricultural production. Can credit cooperatives consider introducing a loan insurance mechanism or establishing a risk fund guarantee system to disperse the loan risks brought by natural disasters and market risks and continuously weaken their loan risks?

2. Improve the internal control system and strengthen the pre-loan investigation.

First of all, loan officers should strengthen the collection of farmers' information, fully carry forward the spirit of "old farmers' money", walk more farmland, find more farmers, enter more farmers, think more about farming, be afraid of running more roads and suffering more, and fully understand what farmers think. The information about the changes of farmers' situation learned from the village is always reflected to the director and recorded in the register of farmers' economic files. The first-hand information of farmers' information is fully supported, which makes the farmers' economic files change from "static" to "dynamic". Secondly, in the process of annual review of farmers' economic files, credit personnel should seriously investigate the household population, contracted area, labor force, annual household income, expenditure, credit status and physical health of farmers, form a unified rating knowledge, and be signed by the members of the credit evaluation team to confirm the responsibility. The results of farmers' credit evaluation should be publicized in the village official column and accepted by the masses. The loan certificate is personally issued to farmers by the loan officer to prevent loss, tampering or even taking the opportunity to charge.

3. Strictly implement the credit grading examination and approval responsibility system, strictly separate the examination and loan, and strictly control the examination and loan.

First of all, institutions should set up a strong leading group for farmers' credit rating in strict accordance with the procedures. Once the members are determined, they are not allowed to change at will. If it is necessary to adjust the credit line during the credit period, it must be agreed by more than two-thirds of the members of the leading group, and the reasons for adjusting the credit line should be indicated in the farmers' economic files for future reference. Secondly, the loans issued by the counter personnel can only be issued within the amount approved in the Loan Certificate Issuance Register, and it is not allowed to be issued beyond the limit. When granting a loan, ask the borrower more about the purpose of the loan. Because the top lender's purpose is fictitious, he must be guilty. If he asks a few more questions, he will usually reveal clues. If it is difficult to judge, it shall immediately notify the directors or loan officers, and decide whether to issue loans after investigation and verification.

4. Implement the responsibility system at different levels and strengthen the post-loan inspection system.

Post-loan inspection is the last barrier to prevent loan risks. Rural credit cooperatives should establish a set of scientific, perfect and feasible post-loan management responsibility system for farmers' micro-loans, specifically implement the post-loan management responsibility to people, set specific assessment targets for the management and recovery of farmers' loans, establish and improve the assessment mechanism, but we must distinguish between human and objective factors, find out the reasons and investigate the responsibilities. Don't put all the loan risks on the credit personnel, which will greatly hurt the enthusiasm and initiative of the credit personnel and cause their negative thoughts on credit work. If there is a loan risk, we must first analyze the causes of the risk. If it is caused by objective factors, the borrower can only temporarily fail to repay the loan, then we can let him improve the relevant guarantee procedures to resolve the loan risk. If it is caused by the borrower's subjective reasons, the loan officer should work together with the director to find a way to work together. They can also use the power of villages and groups (for example, publishing the list of non-performing loan customers on the village column) to condemn them by various means from the perspective of public opinion and morality, do their best to make them realize their mistakes, and resolutely use legal weapons to solve those who maliciously evade debts.

5. Strengthen employees' professional ethics education and establish a good industry image.

First of all, most employees of rural credit cooperatives are recruited internally, and their educational level is generally low. There is an unwritten rule in the industry that you can't be a cashier or an accountant, so the level of some credit personnel is extremely low, which is also the primary reason for the loan risk. Therefore, the primary task of credit cooperatives at present is to establish a credit cooperative team with high cultural quality, good moral cultivation, strict discipline and excellent work style, which is suitable for rural financial work in the new form. Secondly, establish and improve the "accountability system". There are laws to follow, laws to be observed, law enforcement to be strict, and violators to be prosecuted, which should be the standards of "accountability system". We should manage people by system, by form, by discipline, and strictly regulate professional ethics. For those who dare to destroy the image of credit cooperatives and violate the rules and regulations, they will never tolerate the rape and put an end to the loan risk caused by moral hazard.