The Research On Microfinance Business Risk Management In WZ Rural Commercial Bank

At present,WZ rural commercial banks are in the stage of rapid development,the rapid growth of their micro-credit industry,supporting the relevant risk control system is not perfect,resulting in customer loans arrears.Small and medium-sized enterprises and rural customers for the timely repayment of the problem is not strong,has been on the WZ rural commercial banks to expand their own small loan business has caused a certain impact,reducing the bank’s profitability.The emergence of this series of conditions,affecting the WZ rural commercial banks microfinance industry sustained and healthy development,but also affect its income level.Based on the current situation of risk management of credit business in WZ rural commercial banks,this paper is based on the development of microfinance industry.Firstly,it introduces the theoretical basis and research of micro-credit business risk management in WZ rural commercial banks,and then analyzes the problems exposed by risk management in micro-credit departments of WZ rural commercial banks,that is,the process of risk assessment is not perfect,The implementation of the assessment requirements is not enough,the risk assessment of the relevant work points are not well implemented.This paper also analyzes the causes of the micro-credit risk management of WZ rural commercial banks in detail: the risk consciousness of bank credit officers is relatively weak;the distribution of employee’s rights is not reasonable,the internal control force is weak;the internal communication is poor,the high-tech use The management of the regulatory power is relatively weak,while the relevant professional talent pool is not sufficient.Based on the previous analysis,after fully understanding Bangladesh,Indonesia,Malaysia and other countries in the micro-credit risk internal control,put forward a sound countermeasure.First,raise the level of risk control for microfinance products.Second,we must strengthen the microfinance products and guarantee mechanism innovation.Once again to firmly implement the internal control measures.Finally,to ensure smooth communication and communication.Based on the theory of risk management,this paper studies the problem of microfinance risk management from the perspective of WZ rural commercial banks,and then analyzes the development direction of WZ rural commercial banks and how to build Risk control system to mention their own recommendations,but also for the same type of small and medium-sized regional banks to build a sound risk defense system and internal control system to make their own recommendations.It is hoped that this paper can improve the efficiency and safety of microcredit in WZ rural commercial banks,which has certain reference value and important practical significance.