Research On The Improvement Of Risk Management Of Inclusive Financial Business Of J Bank T Branch

As the main audience of inclusive finance,small and micro enterprises are an important way to promote employment and economic growth.However,small and micro enterprises are a typical long-tail group,which has many characteristics such as weak anti-risk ability and information asymmetry.The financial inclusion credit business program brings a number of headwinds.Therefore,controlling the credit risks of small and micro enterprises has become a majorproblem for commercial banks to carry out inclusive finance business,and the risk management of inclusive finance business must be strengthened.Against the above backgroundthis paper mainly takes the inclusive finance business of J Bank T Branch as the research object.Analytic Hierarchy Process and other methods are used to carry out this discussion and research.First of all,the concept of inclusive finance and credit operations risk and the credit risk management of inclusive finance are expounded,the research status of this topic at home and abroad is summarized,and the theoretical foundation for subsequent analysis and research is laid;After introducing the T branch of J Bank in detail,combined with the relevant operating data of the bank,it introduced the product structure,products and business conditions of its inclusive finance business in detail,aAnd the present situation and problems of inclusive financial risk management are analyzed and expounded.It is found that there are some problems in the risk management of inclusive finance business of J Bank T branch,such as weak ability to identify business risk factors,imperfect risk management evaluation system,and incomplete risk prevention measures that need to be improved;Based on the actual development of risk management,a risk factor evaluation model was established,and the risk level of each risk factor was determined by using the risk matrix method.;Finally,reference of construction bank pratt&whitney,financial risk management system based on credit,operations,technology and market risk put forward four dimensions to consolidate credit risk prevention,standardized operation,risk prevention,risk of product design,improve technology,improve the market risk prevention measures,to expect to improve T J bank branches of pratt&whitney financial business risk management system.This study aims to improve the risk management level of inclusive finance of J Bank T Branch,strengthen the risk management ability of inclusive finance,and provide reference for the risk control of inclusive finance business of other banks,which has very important theoretical and practical significance for the sustainable development of inclusive finance business in China..