Research On Risk Management Of Poverty Alleviation Microfinance Business Of L Bank Leshan Branch

Since the early 1990 s,China has been actively exploring microfinance business.From the practice of the past 30 years,this business has played an active role in promoting farmers' income,developing agricultural industrialization and building new countryside.Promote.Therefore,poverty alleviation microfinance has been highly anticipated in solving poverty problems and promoting economic development.Especially in the critical period when China's poverty alleviation work has entered the siege,financial poverty alleviation has been regarded as an important means by local governments.Financial institutions are required to issue small-scale poverty alleviation loans of a certain size.However,in the actual operation process,the poverty alleviation microfinance business has encountered many difficulties.For example,because of the poverty alleviation nature of the business,the farmers have low willingness to repay,the repayment rate is not high,and there is a large credit risk;the rural area is vast,information The asymmetry situation is more prominent,resulting in higher bank operating costs.How to accurately define the connotation and extension of poverty alleviation microfinance business? How to improve the risk management and control level of poverty alleviation microfinance business,balance the poverty alleviation of poverty alleviation microfinance,the demand of farmers and the profitability of financial institutions,and promote the long-term sustainable and healthy development of poverty alleviation microfinance business? If these difficulties and problems are not solved well,it is not conducive to the healthy development of financial institutions themselves.In the long run,it is also not conducive to the realization of the poor wishes of poor households to get rid of poverty.It is precisely because of the special nature of poverty alleviation microfinance business that this paper focuses on the prevention and control of poverty alleviation microfinance business,mainly using social survey and literature research methods to sort out the research on microfinance at home and abroad,and to help the poor in financial Relevant concepts and characteristics such as poverty alleviation microfinance and risk management were analyzed and defined,and poverty alleviation microfinance business was initially established under the guidance of rural financial market,comprehensive risk management,full process risk management,and big data risk control.Risk control application framework.Based on the in-depth analysis of the development status of microfinance business at home and abroad and the investigation and analysis of the current situation of the development and risk control of poverty alleviation microfinance business of L Bank Leshan Branch,the problems in the poverty alleviation microfinance business of L Bank Leshan Branch are deeply investigated.And the main risk influencing factors,and carried out a more systematic risk identification and evaluation of the business.Finally,the risk control issues were discussed systematically from the three levels of policy government,bank internal and poverty alleviation objects,and corresponding risk management and control measures were proposed.According to the research results,the specific countermeasures and suggestions for creating a good credit environment,improving the credit management level,establishing a risk compensation mechanism and innovating the risk digest mechanism are put forward.The dissertation strives to explore the risk management method for poverty alleviation microfinance business that is most suitable for the current economic development status and characteristics.It is of great practical significance for promoting poor households to get rid of poverty,healthy development of rural economy and long-term sustainable development of banking financial institutions.