With the in-depth implementation of the rural revitalization strategy, farmers’ microloans have played an important role in supporting rural economic development and improving farmers’ production and living conditions. However, rural commercial banks face multiple challenges in carrying out microloan businesses, including credit risk, policy risk, and environmental risk. Insufficient risk management not only undermines the sustainable operation of banks but also restricts the long-term development of farmers. Based on a review of relevant domestic and international research and in combination with the business practices of rural commercial banks, this paper systematically analyzes the risk characteristics and causes of farmers’ microloans. It points out the shortcomings of the current risk management mechanism, such as delayed risk identification, inadequate risk diversification, and the lack of sustainable development concepts. On this basis, the paper proposes the construction of a sustainable risk management framework, focusing on optimizing risk identification and evaluation, improving risk-sharing and mitigation mechanisms, embedding the concept of green finance, and strengthening the rural credit system, supported by case studies and empirical analysis. The findings show that sustainable risk management can not only enhance the stable operation of rural commercial banks but also promote the healthy development of farmers’ microloans, thereby achieving the dual goals of inclusive finance and rural revitalization.

Yuanwen Hai. Research on the Sustainable Risk Management of Farmers' Microloans in Rural Commercial Banks. Academic Journal of Business & Management (2025), Vol. 7, Issue 9: 22-28. https://doi.org/10.25236/AJBM.2025.070904.

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