Y Rural Commercial Bank Microfinance Risk Management Research

Micro finance is a kind of loan service, which is a small amounts, flexible guarantee, even unsecured loan service. It provides service for the majority of low-income people, rural households, self-employed person and commercial households, small and micro enterprises. Through microfinance, on the one hand, we can use the financial incentive mechanism to mobilize the enthusiasm of low-income people to solve the problem of rural households, individual industrial and commercial households, small and micro enterprises financing difficulties, on the other hand, micro finance broad customer groups also attract silver line to continue to explore and innovate business, looking for new growth points. However, with the increase of the size of the microfinance, the risk is becoming increasingly prominent.Y rural commercial bank is on the basis of Yangzhou urban rural credit cooperative union of the restructuring, the service group is mainly rural households, individual industrial and commercial households, small and micro enterprises and micro finance business accounted for the proportion of the credit business is high. Only by solving the problem of financing cost and micro finance risk control of Y rural commercial banks can make the Y Rural Commercial Bank better and faster to achieve the benign development.In this paper, the first hand data, data analysis and interviews with business people are obtained, and the development status of Y rural commercial banks and the situation of micro finance risk management are analyzed. At the same time, the research results of micro finance risk management are summarized, and the problems in the micro finance risk management of Y rural commercial bank are analyzed.In the analysis of the management of Y rural commercial banks, it is not difficult to find out that the service level, management, corporate governance and employee quality have been improved in the last few years, but the severe economic situation and bad financial competition, the Y rural commercial banks also need to face the problems of their own development. This paper analyzes the causes and problems of micro credit risk management, and puts forward the improvement measures of the Y rural commercial bank's management status, micro credit business, and the historical formation of the bank, and puts forward the measures to improve the internal management system, improve the credit risk identification measures, establish a scientific micro finance risk early warning mechanism, and strengthen the control ability of micro finance risk, and promote the construction of internal and external security mechanism.