A Risk Management Study On Micro-credit For Poverty Relief In P Rural Commercial Bank

2020 is the decisive year for China to fight poverty.It will remove the poverty hat and become the bottom line task and landmark indicator for building a well-off society in an all-round way.Financial poverty alleviation is the cornerstone of the battle,especially with rural commercial banks as the main force to support the "three rural" projects in finance,and plays an important role.Poverty alleviation micro-finance,while realizing poverty-stricken farmers to get rid of poverty and prosperity,also promoted the development of rural economy and society.Now that we have entered the post-poverty era,due to the characteristics of poverty alleviation micro-credit and the remaining reasons,the overdue repayment problem in the later stage may be greater.As a major supplier of micro poverty alleviation credit,rural commercial banks also have certain The risk of small-aid poverty alleviation credit management is not conducive to the healthy and sustainable development of the entire small-aid poverty alleviation credit business.This article is based on the characteristics of rural households' micro-finance poverty alleviation and post-poverty era.Based on the current research results of poverty alleviation microfinance risk management at home and abroad,taking A as the research object,through literature reading,field visits,quantitative and qualitative analysis,etc.Firstly,it analyzes the quality,scale,risk performance and risk management status of the poverty alleviation microfinance of P 's poverty-stricken households,and then analyzes its risk management in the aspects of organizational structure,internal system,credit rating system,risk early warning mechanism,etc.Important issues are mainly manifested in the following four issues: the conflict between the government and the rural commercial bank,the risk internal control system is not perfect,the credit rating index is not scientifically set,and the risk early warning mechanism is not perfect.Finally,the historical accumulation of P and the existing problems are combined.Proposed countermeasures for optimizing the risk management of poverty alleviation microfinance,mainly including: optimizing the customer management system of the district,improving the risk assessment system of microfinance for poverty alleviation,building a dynamic electronic file management platform,and improving the early warning mechanism of microfinance risk for poverty alleviation,etc.Optimize P micro-credit for poverty alleviation for poorhouseholds Risk management recommendations,and thus proposes to strengthen post-loan inspection system,improve the level of payment services,risk control nurture talent three safeguards.Through the research in this article,it provides a certain solution to the problem of poverty alleviation micro-credit risk management faced by P Rural Commercial Bank in the post-poverty era,and its universality and ease of operation hope to show reference value for this type of financial institution's credit risk.