A Study On Risk Management Of Micro Credit For People Just Rid Of Poverty In Tuo Li County Rural Credit Cooperative Bank

China has won the war of anti-poverty in 2021 as scheduled.Micro Credit for poverty-stricken household,as an effective means of targeted poverty alleviation,has made a significant contribution to the anti-poverty victory,Micro Credit for people who just get rid of poverty has been introduced as the succeed policy,which will help people increasing income and serve rural revitalization continually.Due to the special nature,the risk management of Micro Credit for people who just get rid of poverty is vital,because it has great influence on the implementation of government policy.As the Micro Credit provider rural financial institutions also has an inadequate management mechanism and outdated management ability,which has made this Micro Credit operation possessing more risks than regular commercial credit operation.This thesis studies the risk management of Micro Credit for people who just get rid of poverty in Tuo Li county rural credit cooperative bank,provides an optimization plan,in order to enhancing the ability against risk for Tuo Li county rural credit cooperative bank.This thesis taking Tuo Li county rural credit cooperative bank as the object of study,bases on the development of Micro Credit for people who just get rid of poverty,draws lessons from related research from home and abroad,and also takes the present situation of Tuo Li county rural credit cooperative bank into consideration,analyses current management status of Micro Credit for people who just get rid of poverty,points out the problems based on interview and questionnaire survey,discusses the causes,and provides a possible solution.In the end,this thesis offers an optimized design scheme,along with the internal improvement approaches and external supporting approaches.Points out Tuo Li county rural credit cooperative bank should improve the organizational system of risk management,develops an unambiguous post statement,checks on every important part of risk management strictly,cultivates a healthy risk management culture and builds an effective risk supervision mechanism,in order to formulate a comprehensive risk management system accommodating to the business scale of Micro Credit for people who just get rid of poverty,so that to promote the policy further and better,and also offers some useful experiences to other rural financial institutions.