The Research On SME Loan Project Risk Management In Branches Of Postal Savings Bank

The basic functions of the bank’s financial services lies in the production and sale of the publicrequired, and the most important of these is credit. After banks chase for some large, promising,periodic long infrastructure, good listed companies and large enterprise groups to major and somefast-growing industry star enterprise, with the dramatic increase in the number of small andmedium-sized enterprises and a prominent position in the emerging national economic life.Whether it is for the country’s macro-control or based on its own credit business development, thesmall and medium-sized enterprise credit project become a topical subject of banks of credit. Butthese projects by the factors of enterprises are small in scale, management ability and businessbackground shortage, low capital adequacy ratio, market competition ability is weak, acceptmarket impact, credit risk is too high. Bank is too difficult to assessment and control for risk ofsuch credit project loans. This problem is also a major bottleneck in the development of China’scommercial banks are currently facing. Perfect new to this type of loan risk control andmanagement system has an important significance to effectively prevent the non-performing loans,improve the competitiveness of China’s state-owned commercial banks, and the orderly of theborrowing enterprise project.The Postal Serving Bank of China belongs to the new generation.Creditbusiness is falling behind other banks. It due to development and operating experience shortageof double effect, credit business of Postal Serving Bank of China is falling behind other banks. Inview of this situation, this article uses the theory analysis, actual research method, case analysis.In the full study and draw lessons from the relevant theory on the basis of credit, case on the creditof Postal Serving Bank of China, this article undertook thorough analysis. According to the bankcredit project in the one by one to the analysis question and find out the reasons. Based on these,draw on the experience of other banks of excellent experiences, then according to the actualsituation this paper has pointed and improvement of related suggestions. Reference but not blindlyfollow. The implementation of specialized customer manager system for credit expansion and theloan after the efficient, orderly management will play a very important role.