Analysis Of The Risk Management Of Inclusive Finance In A Bank Suzhou Branch

In recent years,the international community and domestic society have gradually recognized the importance of Inclusive Finance.Paying attention to the development of Inclusive Finance is conducive to enhancing financial inclusiveness,promoting employment and eradicating poverty.At the same time,it is of great significance to support economic growth and achieve social equity.The CPC Central Committee and the State Council attach great importance to the development of Inclusive Finance.At the national financial work conference,they made systematic deployment and special supervision on building an inclusive financial system and further strengthening financial services for small and micro enterprises,and issued a series of incentive policies such as targeted standard reduction,tax relief and financial guarantee,It has created a good policy environment for commercial banks to carry out inclusive financial business and support small and micro enterprises.Small and micro finance has also become a hot spot in China’s banking industry.With the deepening of the concept of Inclusive Finance,the credit risk of A Bank Suzhou Branch in the field of inclusive finance is also becoming more and more prominent.Based on the existing research,this paper takes A Bank Suzhou Branch as an example to study the problems in the risk management of inclusive finance of branches of large stateowned commercial banks.This paper first introduces the development process of inclusive finance and its influence on A Bank Suzhou Branch.Secondly,the author introduces the current situation of inclusive finance risk management in Suzhou Branch of Bank A based on the actual situation of the author’s practice of inclusive finance risk management.On this basis,the existing problems are analyzed and discussed.To be specific,the risk management of inclusive finance of Bank A Suzhou Branch mainly has problems such as incomplete risk identification before and after the loan,inaccurate risk measurement method,ineffective risk monitoring and incomplete risk control.Thirdly,the paper analyzes the main reasons for the above problems from the aspects of the bank’s own risk management and the credit objects of inclusive finance by combining the risk cases in the daily operation of Bank A Suzhou Branch.Finally,according to the actual situation of inclusive finance risk management of A Bank Suzhou Branch,this paper puts forward the preventive measures against inclusive finance risks of A Bank Suzhou Branch in the development of inclusive finance.Different from existing research,this paper pays attention to analyze the level of economy is relatively developed areas of large and medium-sized state-owned commercial bank branch of pratt&whitney financial business risk management problems,hope to the new situation of stateowned commercial Banks to strengthen risk management,to better promote the development of pratt&whitney financial business to provide theoretical support and method guidance.