Research On The Optimization Of Risk Management Strategy For Inclusive Finance In T Branch Of Agricultural Bank Of China

The popularization of inclusive finance has benefited from the strong support of national policies and the trust of the people.However,there are twists and turns in its development process.The actual financial environment has imposed certain constraints on inclusive finance,making inclusive finance a relatively high level.The non-performing asset ratio and loan balance face high financial risks.Therefore,research on risk management strategies for inclusive finance has far-reaching effects.The banking business is mainly occupied by several large state-owned banks,and the proportion of inclusive finance business can reflect the level of its development.Agricultural Bank is a state-owned commercial bank.Under the state’s call for inclusive finance,Agricultural Bank responded positively.Agricultural Bank T Branch gained certain experience in the process of vigorously developing inclusive finance,but its non-performing assets accounted for a high proportion..For the T branch of Agricultural Bank of China,it may greatly dampen its response enthusiasm,and will have an adverse impact on the long-term stable development in the later period.This paper takes the T branch of Agricultural Bank of China as the research object,and the risk management strategy of inclusive financial business as the research content.On the basis of reading domestic and foreign research progress,understand the theoretical knowledge,and combine the risk management theory and implementation status,using a variety of methods Exploring the existing problems,the analysis results show that there are loopholes in operation and management,lack of ability to identify risks,obvious moral risks,and monotonous forms of mortgage guarantees.On this basis,the influencing factors of the existing problems are explored,and the results show that the risk identification process is not standardized,the credit risk system is not perfect,the risk management strategy is not rich,and the talent team is not reasonable.Learn from the experience of other commercial banks in the construction of inclusive finance,and propose corresponding solutions to the existing problems of the Agricultural Bank T branch,such as strengthening the standardization of the risk identification system,improving the credit risk prevention and control system,and using existing risk management methods.tools,improve the quality of talents,etc.Finally,this paper evaluates and guarantees the feasibility of this risk management strategy,and puts forward a series of measures,such as actively reporting to the superior,establishing an early warning mechanism,and formulating a strict system.This study is represented by the T branch of Agricultural Bank of China,and provides a certain reference for the risk management of other banks’ inclusive finance business.