In the practice of agricultural loan in Xinzhou District of 20 17 Microfinance Department, farmers' loans such as pepper planting loan and greenhouse melon loan with Xinzhou characteristics were developed through interviews and internal discussions. Account managers can directly know the financial information of farmers in the field investigation, but as the core factor of agricultural loans, soft information includes whether customers have bad habits, credit status and so on. For various reasons, it cannot be completely verified by the account manager.
Case topic:
? The manager of small and micro customers in Xinzhou discussed how to effectively grasp the soft information of customers in the agricultural loan investigation, hoping to find a more effective way to obtain the soft information of customers.
Discussion personnel: all small and micro account managers in Xinzhou area.
Discussion time: 20 18 March 12.
Discussion content: 1. The acquisition of soft information and its advantages and disadvantages; 2. What to do in the future.
Soft information acquisition and its advantages and disadvantages
In the investigation of agricultural loans, account managers mainly obtain soft information from farmers through village committees and large economic households.
These three information channels have their own advantages in the reliability of soft information.
The advantages of obtaining soft information from the village Committee are: the director and secretary of the village Committee are usually the old households in the village; On the one hand, the income sources and soft information of farmers in this village are very clear; On the other hand, they have a certain deterrent and control ability to local villagers.
Obtaining information from the village Committee also has its shortcomings, which are mainly manifested as follows: First, it is easy to lead the village Committee to lend on its own initiative and increase the loan cost of farmers. This is mainly because farmers' information is blocked, relying entirely on the recommendation of the village Committee, and some important documents in the loan need to be proved by the village Committee; Second, the opinions of the village committee are not necessarily fair. As the management organization in the village, members of the village committee recommend opinions from the perspective of facilitating their own management, which inevitably involves personal interests. If it is not carefully screened, it may become a "management tool" for the village Committee.
The advantage of obtaining soft information from economic families is that it may become a good helper for account managers. Most economic families have flexible minds and broad horizons. They are the first people in the village to deal with financial institutions. The establishment of a good credit atmosphere and the promotion of loan products can play a certain role.
However, obtaining information from large economic families may also lead to problems such as "large family base". Compared with normal loans, agricultural loans are more favorable. As a large economic family in the village, they have a large demand for loans and are familiar with various loan policies and processes. It is very easy for them to use their influence in the village to pull a few accounts to replace loans.
To sum up, obtaining farmers' soft information from different ways has its own advantages and disadvantages. Therefore, when investigating customers, small and micro account managers should not only listen to one side of the story in one way, but also listen to the introductions of different stakeholders to judge whether the information is objective or not, and then combine other data to form an evaluation of customers, so as to better expand the agricultural loan market of our bank.