Research On Micro-credit Business Risk Prevention In Postal Savings Bank Of China Shenyang Branch

Microcredit business is one type of important business in Postal Savings Bank of China Shenyang branch,and the income which is associated with the bank loan is an important part of the profits. With the rapid development of the business, Microcredit risk is becoming more severe. This makes the bank receipt profit space.Therefore, how to control the risk has become the urgent problems which need to be resolved.The first chapter of this paper is about the background and purpose of research, and the introduction of author's thought and means about researching. The second chapter theoretically reveals loans risks. The third chapter tells the Microcredit business knowledge and development of Postal Savings Bank of China Shenyang Branch. The fourth chapter analyzes the existing problems of Microcredit business risk. The fifth chapter puts forward to solve problems from risk and business system.In the writing process of this paper, we mainly applicate system analysis method. With the guidance of the scientific system, we analyze the influence of the development of Postal Savings Bank of China loans, research among various factors of risks and the inner link, determine the interaction between the importance of standardization, discusses the method of standardization of the measures and the best method for solving.Based on the research of Microcredit Business risk prevention in Postal Savings Bank of China Shenyang Branch, we can get the following several conclusions:(1)We must take strong measures to improve the sense of responsibility of Microfinance practitioners, and can introduce strict access-withdrawal mechanism.(2)Establishing a mechanism for small businesses to be trustworthy and relating financial services can.significantly improve social welfare, through commercial means to achieve this goal is very important. Correcting the target customer orientation bias can effectively prevent the micro-credit risks.(3)Microfinance can not easily get high profits, you need to persevere in the effort, the bank must be analytical assessment of the borrower's ability and character, appeared on a variety of soft loans to carry out cross-validation of information in order to protect the effectiveness of credit risk averse.(4)Strict implementation of credit before the survey, reviewed loans, loans after the inspection, strict implementation of microfinance operating procedures, standard operating procedures at each step to avoid a variety of subjective and objective reasons in overdue loans. Need to find at a branch of the duties and responsibilities of sub-branches to achieve the best balance between the management and training credit culture, supported by human resources and professional skills development of great concern.