全面推进乡村振兴作为实现中华民族伟大复兴的一项重大任务，意味着我国必须加强对乡村的投资和支持，推动乡村现代化建设，提高广大农民的生产力和生活质量。而农村商业银行在乡村振兴战略中扮演着非常重要的角色，作为乡村普惠金融服务的主要提供者，发挥着资金融通和调节作用，支持乡村振兴战略的实施和落地。

信贷投放是商业银行最主要的支持乡村振兴手段之一，但由于主要服务的小微企业自身存在产权不明晰、资本结构单一等缺点，对于银行又存在信息不对称、贷后监测不易等问题，易发生信用风险、道德风险等潜在风险。在乡村振兴政策背景下，如何优化普惠金融信贷风险管理成为本文的重要课题。

本文以Ｓ农商银行为研究对象，通过文献调研法、调查问卷法等手段，对Ｓ农商银行普惠金融风险管理水平提升研究，结合调查问卷结果，运用模糊综合评价法和层次分析法，找出Ｓ农商银行在普惠金融信贷风险管理方面存在的问题并加以分析，发现存在产品研发风险把控不足、贷后管理不到位、信贷业务人力配置欠缺等问题，提出通过优化产品设计、强化贷后监测措施、道德风险管理文化等方面的风险管理优化措施完善改进，并提出从当地贷款的小微企业进行外部风险控制的新思路，整体实现乡村振兴类信贷业务风险压降的目的，构建稳健、可持续的普惠金融信贷风险管理体系。同时对Ｓ农商银行普惠金融信贷风险管理问题进行了深入研究和分析，为Ｓ农商银行提供了有益的参考和指导，对于推动普惠金融的发展、加强风险管理水平和支持乡村振兴战略的实施，具有重要的理论和实践意义。

As a major task to realize the great rejuvenation of the Chinese nation, comprehensively promoting rural revitalization means that China must strengthen investment and support for rural construction, promote rural modernization, and improve the productivity and quality of life of farmers. Rural commercial banks play a very important role in the rural revitalization strategy, as the main provider of rural inclusive financial services, play a role in financing and regulation, and support the implementation and landing of the rural revitalization strategy.

Credit supply is one of the most important means for commercial banks to support rural revitalization. However, due to the shortcomings of the small and micro enterprises mainly served, such as unclear property rights and single capital structure, and the problems of information asymmetry and difficult post-loan monitoring for banks, potential risks such as credit risk and moral hazard are prone to occur. Under the background of rural revitalization policy, how to optimize the credit risk management of inclusive finance has become an important topic of this paper.

Taking S Rural Commercial Bank as the research object, this paper studies the improvement of the inclusive financial risk management level of S Rural Commercial Bank by means of literature research and questionnaire. Combined with the results of the questionnaire, fuzzy comprehensive evaluation method and analytic hierarchy process are used to identify and analyze the existing problems in the credit risk management of S Rural Commercial Bank in inclusive finance. It is found that there are problems such as insufficient risk control in product research and development, inadequate post-loan management, and insufficient manpower allocation in credit business. It is proposed to improve and improve risk management optimization measures in aspects such as optimizing product design, strengthening post-loan monitoring measures, and moral risk management culture, and put forward new ideas for external risk control from small and micro enterprises with local loans. To achieve the purpose of reducing the risk pressure of rural revitalization credit business as a whole, and build a sound and sustainable inclusive financial credit risk management system. At the same time, the paper conducts in-depth research and analysis on the credit risk management of inclusive finance of S Rural Commercial Bank, providing useful reference and guidance for S Rural Commercial Bank, which has important theoretical and practical significance for promoting the development of inclusive finance, strengthening the level of risk management and supporting the implementation of rural revitalization strategy.

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