Analysis On Microcredit Risk Management Of Beijing Rural Commercial Bank

Since its establishment,the Rural Credit Cooperative has been playing a leading role in rural finance.Since the restructuring of Beijing Rural Commercial Bank,as the country’s first provincial joint-stock rural commercial bank,it has played an important role in the development of financial markets Play a pivotal role.Since the establishment of Beijing Rural Commercial Bank,although the scale of business development has been expanding,there have also been non-performing loans for a long time.As of the end of 2018,the balance of broad-based agricultural loans at the end of the year was 65.629 billion yuan,and the balance of Grade 5 non-performing loans was 1.122 billion yuan.Generally speaking,the credit risk of banks mainly comes from three major reasons.One is objective factors,such as natural disasters,family accidents,and major borrower diseases.The second is subjective factors,namely,the bad credit environment,which has led many borrowers to intentionally Laying debts,fleeing,reluctant to repay;third,the client manager’s own problems,collusion with borrowers inside and outside,or deliberately issuing loans to unqualified lenders,or excessive lending.The loan cannot be repaid on time,and the credit risk is gradually increasing,which will definitely endanger the normal operation and healthy development of the bank.Therefore,for any bank,the quality of credit risk management directly affects the future development of the bank.In an increasingly fierce market environment,the risk control of bank loans is not in place,which may result in the failure to recover the principal and interest of the loan and even become a non-performing loan and a loss.Strengthen the risk management of bank loans.Whether before,during or after lending,scientific predictions must be made from various aspects,which not only can standardize the bank’s loan process,but also ensure that bank funds are not threatened and improve loan recovery.Only by establishing clear and scientific credit risk management measures and establishing sound risk management methods can the best management performance be achieved.This article takes Beijing Rural Commercial Bank’s microcredit risk management as the research object,summarizes the credit risk of domestic banks today,and uses the "risk identification-risk evaluation-risk control" as the main line to evaluate In-depth analysis of existing microfinance risks.Based on the existing credit risk management of Beijing Rural Commercial Bank,analyze the sources and types of microcredit risk of Beijing Rural Commercial Bank,so as to discover the reasons and problems of credit risk,and propose improvement measures to ensure that it can be controlled in the future To maintain the risk,make Beijing Rural Commercial Bank’s credit business develop better,can make more loan business not to lose,and can play a driving role for the future development of the bank’s business,and help improve the various stages of the microfinance process Risk control helps to improve the microfinance business risk management system.