Building inclusive financial system in China makes microfinance products become practical tools in solving financial difficulties of small and medium enterprises (SMEs). Discuss general management risk of microfinance under effective credit structure and then analyze the Work Breakdown Structure (WBS) in microfinance management from the perspective of project management effectiveness. Moreover, use ergonomics and probability theories to find out the effects on microfinance management through institutions with simpleness and swift. It is demonstrated that optimization of microfinance management program under inclusive financial sectors can probably be beneficial to microfinance credit risk control
J. X. Liu and Y. H. Zhao: The Analysis of Credit Structure Optimization Model Based on Joint Liability, Review on Oversea Researches: Proceedings of the 3nd (2011) International Conference on Financial Risk and Corporate Finance Management, p.592-597.