Study On Risk Management Of Rural Microcredit In N Rural Commercial Bank

With the introduction of a series of inclusive financial policies in rural areas,the demand for microfinance products is increasing.As local financial institutions at the County Rural Commercial Bank,is the distance of the nearest object of financial institutions out of poverty.The agricultural Commercial Bank of Jiangxi has always attached great importance to the development of the financial demand for the lower customers,and the satisfaction of the demand for this part of the small loan has always been a great effort to explore and try.After years of development,the size of the microfinance business has grown gradually,but there are some problems in the level of credit risk management,which has become a bottleneck restricting the continuous development of small loan products to a large extent.N County agro commercial bank,relying on the advantages of multiple outlets in the N County,and many other employees,has been able to complete the task of all the assessment tasks assigned by the superior management department through the decomposition to the network,and to the individual..However,due to the accelerated process of urbanization,other commercial banks began to lay out the township,and the business development of N County agro commercial bank has been affected by different degrees.With the slow development speed,many problems in the small loan management of N County agro commercial bank are becoming more and more obvious.In order to solve this problem,I have combed the relevant research literature at home and abroad,taking the N County agro commercial bank as the research object,reading relevant literature and theory to provide theoretical support for the article research.Then,through the quantitative and qualitative research method,combined with the case of N County,the small loan management status of the agricultural Commercial Bank of N county is carried out.The analysis shows that the management of small loans in N county has such problems as the single product design,the tradition of the means of promotion,the early investigation of the loan,the management after the loan,the simplification of the procedures for the approval and management of the mortgage loan,and the high threshold of credit loan.Finally,aiming at the problems found in the research,we put forward specific proposals for optimizing the management of small loans,and designed targeted guarantee measures.Through the author's research,we find the main problems of microfinance management in N County agricultural business bank,and put forward relevant optimization suggestions.We should attach importance to the development and promotion of electronic banks,enrich the products of small loans,strengthen the training of employees' quality,optimize the management system of credit assessment,strengthen the late inspection of loans,promote the sustained and healthy development of small loans,and strengthen the main force of the "three rural".