Research On Risk Control Of Micro Loan Business Of Rural Commercial Bank Of C County

Small and micro loans were first used for policy and welfare poverty alleviation,and now they are gradually developed to the stage of commercialization and sustainability.At this stage,small and micro loans provide corresponding financial services and loan services for the special financial market level.The domestic market has a huge potential.Financial institutions such as major commercial banks,urban commercial banks and rural commercial banks have seized the small and micro loan industry Market.However,in recent years,China's industrial structure has been upgraded,the pace of economic development has slowed down,the reorganization of industrial structure has affected some industries,and the risks faced by small and micro enterprises have gradually emerged.In the context of supply side reform,de stocking and de capacity make the credit risk of financial industry break out intensively,which makes the scale of non-performing loans of small and micro enterprises increase dramatically.In the local financial market,small and micro enterprises with weak anti risk ability are one of the main reasons for the high non-performing loan rate of rural commercial banks.Through the analysis and research of rural commercial banks in C County,this paper hopes to find out common problems in the industry and put forward suggestions,hoping to play a positive role in the development of micro loan business in the industry.First of all,this paper makes extensive reading of relevant theoretical literature at home and abroad to understand and master the relevant theoretical trends at home and abroad and lay a good theoretical foundation.Starting from the overall situation of small and micro loan business of Rural Commercial Bank of C County,identify the risks in business development,analyze the causes,and put forward targeted countermeasures.This paper is divided into five parts,the first part is the introduction,which introduces the research background and significance of this paper,and summarizes the classic literature at home and abroad.The second part is an overview of small and micro loans,including the definition,development process and current situation of small and micro loans,and the risk definition,characteristics and causes of small and micro loans.The third part introduces the small and micro loan products,operation process,risk management mode and default of C County Agricultural commercial bank.The fourth part analyzes the credit risk,guarantee risk,operation risk,internal control risk and risk disposal risk of micro loan business of Rural Commercial Bank of C County.The fifth part is to find out the corresponding countermeasures for the problems raised,through speeding up the application of new financial technology,innovating the type of product guarantee,strengthening the management of employees,optimizing internal control,improving the disposal ability of risk assets,etc,Enhance the anti risk ability of small and micro loan business of Rural Commercial Bank of C County,reduce the risk problems existing in small and micro loan business,realize the sustainable development of micro loan,better serve the local economy,and extract the experience and practice that are worth learning from in Rural Commercial Bank of C County.