Risk Factors Of Micro-finance In Gushi Rural Commercial Bank

Since 2004,"central document No.1 "focused on "agriculture,countryside and farmers"for eleven consecutive years,The concept of "inclusive finance" has attracted much attention from all society,In order to make rural financial services more effective,The state guiding the transformation of rural credit cooperatives into rural commercial banks,To some extent,the micro-credit business of rural commercial banks has alleviated the financial exclusion in rural areas,Considered an effective vehicle for inclusive finance,To achieve financial inclusion through microcredit,The rural commercial banks should pay attention to and popularize the micro-credit business.However,for rural commercial banks,there are high cost,high risk and other problems to be solved.This paper selects Gushi agricultural firm to conduct an in-depth study on the factors affecting its micro-credit risk.Gushi county is China's largest agricultural county,and listed as the national poverty alleviation and development key county,Gushi rural commercial bank as the main local financial institutions,in "agriculture,countryside and farmers" business is typically,And I have in-depth research and practical experience in Gushi rural commercial bank,on the basis of the research results will be more practical.From the external economic environment,internal management and the comprehensive ability of the borrower,this paper makes a comprehensive analysis on the influencing factors of the microfinance risk of all the commercial bank including Gushi rural commercial bank.And focus on Gushi rural commercial bank,Distribution the questionnaires,Conduct internal research and field visits,Using AHP and time series data of multiple regression and other empirical methods,This paper studies the influencing factors of microfinance risk in Gushi rural commercial bank and draws a conclusion,and give corresponding suggestions,The theoretical analysis,research methods and technical route of this paper are applicable to any rural commercial bank,Which can provide a train of thought for identifying risk influencing factors for a single rural commercial bank.