Research On Credit Risk Management Of Inclusive Finance Farmers In Bank N And BZ Branch

"Inclusive finance",also known as "inclusive finance",was first proposed by the United Nations in 2005 when it promoted the International Year of Microcredit.According to the Development Plan for Promoting Inclusive Finance(2016-2020)issued by the State Council,we have a clearer and clearer understanding of the connotation of inclusive finance.At present,China has paid great attention to the development of inclusive finance,which is a financial system that can help meet people’s growing demand for a better life.Today,the business focus of commercial banks has begun to shift to inclusive finance,which is a measure for banks to develop themselves and a strategic goal guided by the state.As the forefront of commercial banks serving inclusive finance,rural areas are the most representative areas to study inclusive finance farmers’ credit.In this topic,the author will take the representative BZ Branch of Bank N as the case object,through the practical investigation and in-depth analysis of the current situation of its inclusive financial farmers,to identify the important problems that need to be solved urgently in its risk management.BZ Branch of Bank N actively responded to the national call to develop inclusive financial business.When developing inclusive financial farmer credit business,various problems will not only shake the confidence of BZ Branch of Bank N in developing inclusive financial farmer credit business,but also adversely affect the healthy development of credit business.Therefore,it is of great practical significance to study the farmer credit risk management of inclusive finance in Bank N and BZ Branch.Based on the analysis of advanced credit management methods at home and abroad,combined with the current situation of inclusive finance farmers’credit risk management in Bank N,BZ Branch,and from the perspective of credit risk identification and evaluation,this paper identifies the main risk factors of inclusive finance farmers’ credit,that is,the borrower’s credit factor,the borrower’s repayment ability factor,the financial market environment factors in BZ City BZ Branch’s inclusive credit management factors,etc.And assess the importance of various factors,propose targeted risk control measures,and promote Bank N BZ Branch to effectively prevent and resolve the credit risk of inclusive finance farmers.