Research On Microfinance Credit Risk Management Of YZ Rural Commercial Bank

In all kinds of risks in the financial market.Credit risk is one of the oldest types of risk.As the most important category of the various components of the financial market,the management ability of credit risk will certainly be the core competitiveness of modern banking institutions.YZ rural commercial bank is restructured on the basis of the original YZ urban rural credit cooperative association.Although it is restructured,its customer groups are still concentrated in rural customers,individual business households and small and micro enterprises,and the microfinance business is still the focus of its credit business.YZ rural commercial bank only completes the credit risk management of microfinance,so that YZ agricultural and commercial bank can achieve better and faster development.The government needs micro credit as a basic financial tool,through microfinance,that is,using the financial incentive mechanism to mobilize the enthusiasm of the middle and low income groups to produce and start a business,alleviate the financing difficulties of the farmers,individual business households,small and micro enterprises and other groups.At the same time,the small and middle income groups facing the small credit are wider and attract the bank bees.We will enter the blue ocean business and seek new breakthroughs in business growth.However,with the explosive growth of microfinance business scale,the problem of credit risk management is also increasingly prominent.Through obtaining the firsthand information about the credit risk management of the YZ agricultural commercial bank,including the analysis of the data and the interview with the business personnel,this paper comprehensively understands the management situation of the YZ agricultural and commercial bank,and carefully combs the research results of the micro credit business and credit risk management at home and abroad,and makes a summary and summary,which is the theoretical basis for the analysis.The reasons for the current situation are found,and risk management problems are explored,and solutions are put forward.The measures to optimize the credit risk management of YZ's micro credit are put forward.In the analysis of the current situation of YZ agricultural and commercial bank,it can be found that the bank has made great progress in recent years,focusing on service level,management,corporate governance,staff quality and so on.However,due to the increasingly severe economic situation and fierce competition among banks,YZ agricultural and commercial banks still need to continuously strengthen their own level and improve their competitiveness.Through the research on the current situation of the credit risk management of the YZ agricultural commercial bank,combining with the development history and the current situation of the bank,this paper analyzes the causes of the credit risk of microcredit and the management of credit risk of microcredit,and puts forward the improvement measures for the management of credit risk of microcredit:improving the early warning mechanism of the scientific microfinance risk and improving the credit wind of micro credit.Risk identification ability;strengthen microfinance credit risk management and control capabilities;strengthen internal control management system;promote internal and external credit system coverage.