Study On Risk Management Of Small And Micro Credit Business Of QJ Rural Banks

Under the economic environment of building a new countryside in the new era,village and town banks are particularly important for the development of rural revitalization.They effectively make up for the financial markets and fields that cannot be involved by large commercial banks,and play an important role in helping rural economic development.In order to achieve the full coverage of financial services in rural areas,China has released the access restrictions on financial institutions,and village banks have emerged at the historic moment and carried out a variety of policy support and incentives for them,so that their rapid development in the short term makes the domestic rural financial market continuously enriched and improved.In recent years,due to the influence of external economic environment,internal corporate governance,anti-risk ability and other factors,the credit business risk of this type of financial institutions began to appear.The small and micro credit business targeted by village banks has the characteristics of "short,small,frequent and urgent".It takes root in providing a model to meet the needs of farmers’ funds.With its more flexible and convenient advantages,the small and micro credit business of villages and towns has ushered in an efficient and rapid development.However,because the village banks have not been established for a long time,the operation scale is small,the credit personnel have a short time in financial practice,the risk awareness is weak,the credit risk prevention and control system is not sound enough,and the human resource allocation and development needs do not match,which greatly restricts the development of the village banks and the improvement of their market competitiveness.At the same time,there are few physical outlets,low level of technology and prevention and control,and imperfect management system,especially in the risk management of small and micro credit business.Therefore,this paper selects QJ Rural Bank as the research object,systematically collates and analyzes the financial data and micro-credit business of QJ Rural Bank,combs its current situation,and analyzes its potential credit risk in its development process.In view of the outstanding problems and causes of QJ village bank in the risk management of small and micro credit business,in order to improve the ability of QJ village bank to resist credit risks and promote the healthy and orderly development of QJ village bank,the optimization strategy and safeguard measures are proposed from multiple dimensions such as optimizing the internal organizational structure,strengthening the risk management construction,improving the credit rating system,and strengthening the construction of talent team.