Research On Credit Risk Management Of Inclusive Finance Of Rural Commercial Banks In L Cit

After the completion of poverty alleviation,the province has shifted its focus to rural revitalization.L City Rural Commercial Bank,a rooted-rooted rural commercial bank,must now have more comprehensive risk management capabilities due to the most pressing and critical task of providing more suitable financial services to more daring,all-inclusive customers.This paper offers a theoretical foundation for the research of this paper,by collecting and summarizing all pertinent literature on risk management both domestically and internationally.To begin,Rural Commercial Bank of L City was presented with a fundamental synopsis,in addition to the introduction of inclusive financial credit products,the running of credit operations,and an examination of the present state of non-performing loans.Subsequently,the current situation of inclusive financial credit risk management was declared,and the risk identification of the inclusive financial credit business of Rural Commercial Bank was established.in L City was carried out from four aspects: credit risk,operational risk,compliance risk and market risk,and it was found that there were risks such as borrower fraud,due diligence,and lack of credit information in terms of credit risk.In terms of operational risks,there are risks in internal processes,personnel,information systems and other links;In terms of compliance risks,there are risks in business monitoring and early warning,contract management and internal systems,supervision and evaluation processes;In terms of market risk,there are risks in the industry and region,external economy and policy,and product parts.By employing analytic hierarchy,this paper seeks to uncover the factors and indicators influencing the aforementioned inclusive financial credit risk.By combining the risk management of Rural Commercial Bank in L City’s inclusive financial credit,targeted risk management optimization countermeasures are formulated that are suitable for such credit,and the comprehensive risk management level of Rural Commercial Bank in L City is optimised across multiple dimensions.Ensuring the high-standard evolution of inclusive financial credit is essential.business.This paper’s research can advance L Rural Commercial Bank’s risk management aptitude,enhance its risk management system,bolster its capacity to withstand and react to risks,and attain the ideal equilibrium between risks and advantages of inclusive financial credit operations.