A Study Of Small-Micro Financial Credit Risk Case:Evidence From Z Rural Commercial Bank

Since the 21^st century,China has entered an era of diversified consumption.In January2016,the state Council of China issued the plan for promoting inclusive financial development?2016-2020?.This is the first time that China has established an implementation strategy for inclusive finance at the national level.The national financial work conference,held in July 2017,first proposed"building inclusive financial systems".It points out the direction for the next development of inclusive finance in China.Due to the large population in China,there are numerous small and micro businesses.Most individual businesses and small and micro businesses cannot enjoy the benefits of financial policies or are not supported by financial services.And the traditional business by large state-owned banks and commercial banks monopoly.Under such circumstances,rural commercial Banks and other local financial institutions actively develop small and micro finance and seek for strategic transformation and dislocation management so as to enhance their competitiveness.The huge financial demand group and the corresponding policy guidance promote the emergence of small and micro finance,vigorous development.The development of small and micro finance has led to the development of other related traditional financial business,forming a virtuous circle.However,in the process of development,small and micro credit risks remain high and credit asset quality deteriorates,which has become a major problem hindering the development of rural commercial Banks.This paper tries to start from the development of domestic micro-finance,taking the micro-credit of Z rural commercial bank as the research object,through a series of data to analyze the risk situation of micro-credit,and then according to the summary and analysis of actual cases.The representative risk problems are summarized,and then the solutions and countermeasures are put forward,which provide the theoretical basis and reference experience for Z rural commercial bank to prevent the credit risk in the future.It also promotes the sustainable development of small and micro finance of Z rural commercial bank,which has certain reference significance for the construction of inclusive financial system.