Research On Inclusive Financial Risk Management Of X Commercial Bank

After more than ten years of development,inclusive finance has gradually taken root in China.It has gone through three stages of development,from microfinance to microfinance,and then to the current mature Inclusive Finance,which has brought great impact on China’s social and economic development.With the social development and economic growth,it has a large development space in social environment,policy environment and economic environment.In the past decade,with the rapid growth of China’s economy and the continuous rise of the employment index,the huge financial potential of residents’ consumption may become a new driving force for the development of Inclusive Finance.Commercial banks are important providers of financial services and financial products.Therefore,commercial banks will play an important role in promoting the rapid development of inclusive financial services.In fact,the main audiences of Inclusive Finance are mostly small and micro enterprises,farmers and other social vulnerable groups.However,the balance gap between the service expenditure cost and the actual income is too large,which greatly weakens the enthusiasm of commercial banks to carry out inclusive finance business and affects the normal business activities.It is against this background that the research focuses on the impact of inclusive financial services on the risk management of commercial banks.In recent years,under the guidance and support of the government,remarkable achievements have been made in mass entrepreneurship and poverty alleviation.The continuous growth of many small and micro enterprises such as "specialized,refined,special and new" has provided a strong force for actively promoting China’s social and economic development,and played an important role in promoting technological innovation,industrial structure optimization and employment growth.For commercial banks,in the context of serving the real economy,optimizing credit distribution and promoting transformation and development.Doing a good job in inclusive financial services is an important topic for the development of China’s banking industry.Due to the relatively weak strength of small and micro enterprises,imperfect operation and management mechanism,poor comprehensive resistance to external risks and other factors,as well as changes in internal governance and external market environment,their development will be affected to a certain extent.Therefore,how to do a good job in the risk management of inclusive financial products of small and micro enterprises is a difficult problem that commercial banks are currently facing.By using the methods of literature research,questionnaire survey,interview and induction,this paper deeply discusses the inclusive financial product "operation fast loan" of a branch of X commercial bank,finds out the existing problems and reasons,and carries out comprehensive risk management,thus achieving a better control effect.While meeting the needs of enterprises for appropriate financing and other financial services,it also improves its own income level and provides certain reference value for other banks to carry out similar businesses.