Existing problems:

1. There are few kinds of products and low quota.

2. The credit rating is not standardized.

3. Microfinance is risky and has poor sustainability.

4. The staff quality of rural commercial banks is low.

Problems and countermeasures of micro-credit business in rural commercial banks;

1. Strengthen the research and development of microfinance products and gradually increase the quota.

2. Improve the micro-credit business process and standardize the credit rating.

3, the implementation of risk compensation system, expand the source of funds.

4. Increase the publicity of micro-credit and improve the overall quality of employees.