Research on Credit Risk Management of Inclusive Finance in Bank A

Abstract

MSMEs play an important role in China's economic system, and the Chinese government has been strongly emphasizing MSMEs' role of the massive wealth they create and the large number of jobs they provide. However, the difficulty of financing for MSMEs has always been a bottleneck restricting the development of MSMEs, for which the Chinese government has called on commercial banks to promote inclusive financial services for MSMEs. As MSMEs themselves have problems such as unstable operation, irregular corporate governance, and dependence on the personal credit of the controller, coupled with the severe macroeconomic situation in recent years, it makes the loan risk of MSMEs higher. Therefore, how to scientifically and effectively manage the risk of small and micro-enterprise loans has become the focus and difficulty of commercial banks' inclusive financial business.