Research On Risk Management Of Inclusive Finance Business Of ZX Bank ZZ Branch

With the continuous development of the country's economy,small and mic ro enterprises in China also rise rapidly and occupy more and more market shares,so t he financing problem of small and micro enterprises is increasingly intensified.The g overnment wants to promote the rapid development of small and micro enterprises an d solve the problem of financing difficulties for small and micro enterprises.Accordin g to the current development form of China,it proposes an inclusive financial strategy suitable for the development of domestic enterprises.Combined with the current dom estic economic situation,banking institutions play a key role in a series of problems ar ising from inclusive finance.Due to the lack of relevant experience of small and micr o enterprises,the inclusive financial loan projects set up by banking institutions will h ave many disadvantages.However,with the continuous development of the society an d the support of the government,banking institutions have started inclusive finance lo an business along with the change of market economic situation.Therefore,controllin g the harm related to loans to small and micro businesses has become the main proble m that commercial Banks will face in carrying out inclusive finance business.In order to control the risk of inclusive finance,this paper has done some exploratory research and analyzed the risk problems existing in inclusive finance business,especially the r isk management analysis on credit of small and micro enterprises,hoping to play a cer tain theoretical guiding role.First of all,the inclusive finance business referred to in this paper refers to the inclu sive finance targeted at small and micro enterprises by commercial Banks.This paper through consulting the relevant information,combined with the relevant content,to th e text of the discussion provides a basis.Based on a large number of domestic and foreign literatures,this paper reviews these documents and lays down a certain theoretical basis for the following.Secondly,this paper takes ZX Bank ZZ points as an example to deeply study the current situation of ZX Bank's inclusive financial business and the problems existing in risk management,and analyzes the risks existing in ZX Bank's development of inclusive financial risk management.This paper adopts the method of questionnaire survey,through the results of the questionnaire combined with the situation of SME in ZZ area,and the view of ZX Bank ZZ branch company account manager on the inclusive financial business,the problems faced by the current inclusive financial business development,How to do a good job of risk prevention.Because the risk of credit for SME is relatively high,commercial banks must adopt the correct model to develop inclusive financial services.While successfully carrying out business to meet the market,we must do a good job in risk management to reduce its own risks.The article analyzes the current policies,the reasons inside and outside the bank and the problems of the customers themselves,and proposes some improvement measures and suggestions for the risk management of inclusive financial services.