| With the change of the global economic situation and the increasingly complex domestic financial industry,the financial system further structural reform,serving the real economy,tackling the difficulties and getting rid of poverty in the whole country has become the necessary stage of China’s economic transformation.Supporting inclusive financial business,serving to promote the real economy and promoting the development of people’s livelihood is the focus of inclusive financial reform.For commercial banks,providing financing services for inclusive development is not only to implement national policies,but also to occupy market share.In the development of inclusive financial loans,how to ensure risk prevention and control is particularly important.In order to explore the risk composition of all aspects of inclusive financial loan business,and evaluate and optimize it,this paper takes the existing inclusive financial loan business of GS Bank Shenyang branch as the research object,first introduces the research background and significance of this paper,reviews the research status of inclusive credit business,and describes the relevant concepts and theories by searching domestic and foreign literature for further research Secondly,it introduces the development process,operation status and asset quality of Inclusive Finance business of GS Bank Shenyang branch.In the main content of the full text,through the interview with the relevant personnel of the bank’s credit business,a questionnaire survey is carried out to identify the risk factors affecting the bank’s inclusive credit business,and quantify the influence weight of each factor on the business risk The proportion of each risk factor weight found that there are problems in the process and system;the last part puts forward feasible risk prevention and control measures for the causes of the above risk identification and the problems found.Based on the above analysis,the conclusions are as follows:(1)GS Bank Shenyang Branch’s inclusive financial business was affected by the regional economic background in the early stage of development.The products and services were relatively single,the management system was not perfect,and the non-performing loan rate increased rapidly;(2)According to the risk identification of the bank’s non-performing loans,the main risk factors of GS Bank Shenyang branch are as follows:the main risk factors of the borrower,the internal risk factors and the external risk factors.Among the main risk factors,the operating ability of the borrower and the comprehensive quality of the operator directly affect the borrower’s repayment intention,and the employee’s operational risk in the internal risk factors And guarantee factors are the main influencing factors of internal risk;(3)The government function mechanism,market economy and other factors play a guiding role in the development of the bank’s inclusive business at the macro level.In view of the above research conclusions,this paper puts forward the relevant measures to improve the loan risk control of GS Bank Shenyang branch.This study helps to enhance the risk prevention and control level of inclusive financial business of GS Bank Shenyang Branch,and also has certain reference significance for other commercial banks’ inclusive financial business risk management. |
