Research On The Risk Management Of Inclusive Finance Loan Of Z Bank H Branch

Small micro enterprise is the main target group of pratt&whitney financial,is also an important factor in the development of the national economy,but the small micro enterprise is common small scale,low market position,corporate governance is not standard,such as operating characteristics,reason of your loan,financing problems,lead to enterprise to become bigger and stronger,it is difficult to financing to expand reproduction,Therefore,the government supports and encourages commercial banks to vigorously develop inclusive financial services.Due to internal and external policy reasons,H branch of Z Bank faces great pressure from external supervision and internal assessment.Under the background of vigorously developing inclusive finance,the non-performing rate and non-performing balance of HP Financial loans are relatively high.How to improve the credit risk management level of inclusive finance of Z Bank has become the top priority.Pratt&whitney were introduced in this paper the financial credit business and pratt&whitney financial background and significance of credit risk management,on the basis of the pratt&whitney financial and risk management related theory,analyzed the home and abroad for pratt&Whitney financial credit risk management of related research,through the questionnaire survey method,factor analysis and analytic hierarchy process(ahp),with bank of Z H branch as the research object,Questionnaire survey was used to analyze the problems and causes in the credit risk management of inclusive finance in H branch of Z Bank.Through factor analysis,six problems in credit risk management of inclusive finance in H Branch of Z Bank are extracted,including:Risk management in the system,before the credit risk management,credit risk management,credit risk management,risk early warning system,performance appraisal and the accountability management,through the bank of risk identification analysis of the Z H branch pratt&whitney financial business the main risk factors,build the evaluation index system of risk,risk assessment using the analytic hierarchy process(ahp),Finally,it puts forward control countermeasures and safeguard measures for the inclusive financial risk management of H branch of Z Bank.Based on the questionnaire survey and historical data analysis,this paper finally concluded that the risk control measures of Z Bank H Branch in developing inclusive financial business mainly include:Establish and improve the credit risk management and control system of inclusive finance,conduct pre-loan investigation and management,optimize the approval process in the loan,strengthen the post-loan management,establish the online and offline integration process to improve the risk early warning system,and optimize performance assessment and accountability management.And put forward the implementation of safeguard measures:need to strengthen the construction of risk management culture,pay attention to the training of inclusive financial professionals,continue to optimize the construction of bank credit system.Through the above control countermeasures and safeguard measures,it helps Z Bank H branch to improve the credit risk control ability of inclusive finance,and escort the healthy and sustainable development of inclusive finance business.