Analysis of Risk Management of Inclusive Finance Credit Business of Commercial Banks under the New Normal of the Economy: Taking HZ Rural Commercial Bank as an Example

Finance is the core of modern economy. With the influence of economic globalization, financial risk has a more profound impact on political economy, social and people’s livelihood, and spreads more rapidly. As the most active factor in the financial system of the country, commercial banks play a key role in stabilizing the financial market and promoting economic development. Inclusive finance is a major asset business of commercial banks, which plays an important role in helping enterprises rescue, rural revitalization, and assisting small and medium-sized enterprises [1]. This paper takes HZ Rural Commercial Bank as an example, based on the elaboration of the development status of the bank’s inclusive financial credit business, analyzes the problems and deficiencies in the bank’s current credit business risk management, especially in the post-loan management, and puts forward corresponding improvement and optimization measures.