Research On Risk Management And Preventive Strategies Of Microfinance In A Branch Of Agricultural And Commercial Bank

In recent years,the rapid development of micro-credit business has gradually become an indispensable part of China’s financial system,among which rural commercial banks are the outstanding representatives.However,with the in-depth development of micro-credit business,due to the imperfect management of micro-credit risk of agricultural and commercial banks,the bad rate of micro-credit business of agricultural and commercial banks has been rising,seriously restricting the healthy and long-term development of the financial system of agricultural and commercial banks.In this context,how to reduce the probability of the occurrence of microfinance risk and minimize the impact of microfinance risk by studying the risk management of agricultural and commercial banks has become a very practical research topic.This paper combines with the actual situation of A Branch of Agricultural and Commercial Bank,through field investigation,first of all,it comprehensively understands the basic information of A Branch of Agricultural and Commercial Bank,such as management organization structure,personnel structure distribution,credit business process and so on.Then it uses the method of questionnaire survey to analyze the demand and practical situation of micro-credit funds of A Branch of Agricultural and Commercial Bank,and customer’s cognition of micro-credit products.Continued analysis of microfinance risk management lays the foundation.Then,by using case analysis method,through the analysis of typical cases of branch A of Agricultural and Commercial Bank,this paper points out the causes of micro-credit risk of branch A of Agricultural and Commercial Bank,including the impact of external environment,loopholes in internal management and risk assessment mechanism.At the same time,the main problems of micro-credit risk of A Branch of Agricultural and Commercial Bank are summarized from the two levels of risk identification and risk control.Finally,according to the analysis of the previous problems,specific prevention strategies are put forward from the two levels of micro-credit risk identification and risk control,and the specific measures to implement the micro-credit risk management of branch A of Agricultural and Commercial Bank are elaborated in detail.In this paper,the research object of A branch behavior of Agricultural and Commercial Bank is deeply investigated.Based on its internal management status,the management risks existing in the micro-credit of Agricultural and Commercial Bank are analyzed,the ability of micro-credit risk control is improved,and the risk control management system of micro-credit is improved,which can provide guidance for similar small and medium-sized commercial banks in China to construct the micro-credit risk management system.