H Rural Commercial Bank Microfinance Business Risk Management Research

In the past ten years,from the perspective of international trends and domestic regulatory practices,the requirements of external supervision for risk management of commercial banks have become stricter and more refined.At the same time,the risk of microfinance business has become the main risk in the development of rural commercial banks nationwide.One of them,how to apply the effective microfinance business risk management method to reduce risk has become an urgent problem for rural commercial banks.Under the background of this situation,the risk management of the micro-credit business of rural commercial banks in H is facing changes and upgrades.Based on the relevant theories of comprehensive risk management of commercial banks,this paper comprehensively analyzes the risk and risk management of microfinance business of rural commercial banks in H.The problem and its causes,using environmental analysis to analyze the external and internal environment affecting the risk management of its microfinance business,and learning from the experience of risk management of domestic and foreign commercial banks,How to improve the risk of microfinance business in rural commercial banks The management level proposes a feasible strategy and related safeguards.