Analysis On The Factors Influencing The Credit Risk Of China's Rural Commercial Banks From The Perspective Of Pragmatic Finance

From the introduction of Inclusive Finance to China and the relevant government work report today,the development of Inclusive Finance has entered a period of rapid growth.So from the perspective of Pratt and Inclusive Finance,this paper analyzes the formation mechanism of the credit risk of the rural commercial banks when they practice the inclusive financial policy by combing the theory of generalized financial theory and combining the bank credit risk management theory and aiming at the particularity of the credit risk under the perspective of the Pratt and whiten finance.On the basis of previous studies,this paper studies the factors affecting the credit risk of rural commercial banks from the perspective of Pratt and whiten finance,and focuses on the particularity of the credit risk of agricultural and commercial banks based on the perspective of Inclusive Finance,and the adverse selection and moral hazard caused by the information asymmetry caused by the particularity of the evaluation object.It also shows the importance of reasonable pricing of credit products in the development of Inclusive Finance.According to the universal characteristics of the credit risk of China's agricultural and commercial banks from the perspective of Inclusive Finance,the commonness of the factors affecting the credit risk of various banks is compared and analyzed by the method of factor analysis.The financial data of the 4 big countries,including commercial banks,8 urban commercial banks and 5 rural commercial banks,are selected as the research samples in 2016.The panel data model examines the effects of various factors on the credit risk of major modern banks and rural commercial banks under the inclusive financial system.Select asset liability ratio,deposit ratio,deposit growth rate and asset growth rate to represent the security of bank assets,and choose bad loan rate,loan growth rate,business income growth rate,profit growth rate to represent the quality of bank credit assets,choose earnings per share,net assets per share and net profit margin to explain the operation of banks.Efficiency and ability,and the index of testing profitability is expressed through two indicators of total assets yield and net assets yield.Through theoretical research and empirical analysis,this paper considers that the factors affecting the credit risk of rural commercial banks from the perspective of Pratt and inclusive finance mainly include: the perfection of the credit system,the assets scale of the rural commercial banks,the related management ability,the profitability,the technological innovation and the base of technological innovation and the base.The innovation and promotion of infrastructure,the characteristics of customers under inclusive financial targets,the diversity of credit products and interest rate pricing.According to the analysis of this paper,some suggestions and suggestions are put forward to the management level of credit risk in the rural commercial banks,including the management and control of the credit policy,the improvement of the internal control process under the policy background,the improvement of the existing credit system and the enterprise rating system,and the establishment of the demand oriented.We should differentiate the pricing of credit products and try to develop credit guarantee mechanism and related credit insurance products.