Inclusive Financial Credit Risk Management Research

Rural commercial banks are the backbone supporting the development of "agriculture,rural areas and farmers",and credit business is an important part of their profits.However,due to historical factors and practical limitations,compared with the four major banks and other large joint-stock banks,there are problems such as small asset scale,few product types and high credit risk.How to advance in sync with the rural revitalization strategy,reduce the risk of inclusive financial loans,and improve the level of financial services for "agriculture,rural areas and farmers" is an urgent problem for PS Rural Commercial Bank to solve in the development of inclusive financial credit.This thesis first expounds the research background and significance of PS Rural Commercial Bank’s inclusive finance credit risk management,and then lists and comments on the research status of inclusive finance credit risk management at home and abroad.Then take PS Rural Commercial Bank as an example,from the two perspectives of "universal" and "benefit",listed the current situation and problems of inclusive finance credit risk management,and through the fuzzy analytic hierarchy process to identify the bank’s inclusive finance credit risk and make importance evaluation.Then,the thesis analyzes the risk causes of operation risk,credit risk and product design risk with high weight,and because these three kinds of risks are non-systematic risks in terms of internal control management,this thesis selects the PDCA theory of management science to iterate and improve the internal control system of credit risk management of inclusive finance of PS Rural Commercial Bank.Thus,it reduces the non-performing loan ratio of inclusive finance credit of the bank,and also provides a solution for the risk management of inclusive finance credit of other similar rural commercial banks.