Research On Farmers Loan Risk Control Of Postal Savings Bank Siping Branch

As the state of agriculture, rural areas and farmers and the growing emphasis on"industry nurturing agriculture","city financed rural" policy, the rural issues more andmore widespread community concern about the lack of capital supply in ruraleconomic development and rural finance chaotic situation in the market need to besolved. Postal Savings Bank was first established, according to its own advantage anddisadvantage analysis will serve as the bank’s rural economic development missionwill be to develop the initial loans to farmers as an important point of development,and business loans to farmers to carry out a comprehensive five-year indeed for thenewly established Bank brings a wealth of benefits, and make it a firm place in thefield of commercial banks. Accompanied by the gradual expansion of the business,the risks inherent in loans to farmers gradually reflected, non-performing loans fromscratch, poor rate rising, and some branches of business closure defect rate evenreached the critical point, loan loss highlights the individual branches in2012profitsor even negative. With the continuous emergence of non-performing loans, the risk ofpostal savings bank loans to farmers and more attention.Loans to farmers based on the risk factors involved, including credit risk,operational risk, management risk, market risk four categories. Loans to farmersbecause of its essentially a simple credit to credit-based lender, is itself a high-riskloan products; farmers long as borrowers in the economic bottom of society, has longbeen the accumulation of all the implications of the shackles of its development;agriculture and in the ranks of traditional industries, large-scale production plant in China is not popular, traditional peasant economy dominated by the state’sagricultural production, are highly uncertain risk industry; Shinsei Bank and PostalSavings Bank as its lack of experience in management, management systems aspectsof unsound bank management concept immaturity, organizational structure into thesurface of the chaos, the overall quality of employees gaps and so on, these variousaspects of credit risk for banks played an amplification. This paper Contact PostalSavings Bank branch in Siping City Farmers actual lending business linedevelopment with reference brothers lessons, considering the factors of loans tofarmers, the postal savings bank loans to farmers grouped into external risks specificrisks inherent line regulation does not sound effects, the operation flow problem inthe three aspects of the impact, and make specific and detailed analysis, from therepayment of both willingness and ability to repay analysis to identify the causes ofdefault loans to farmers; from the line of credit associated with the managementsystem, management aspects analysis to identify bad loans with various householdrelationship; specific business processes from various aspects of itemized analysis toidentify business processes potential risks. Meanwhile, based on an analysis of riskpoints, based on the credit risk from farmers to control the negative impact of externalresistance, optimizing internal credit-related management system to improve the levelof credit operations in order to avoid operational risk management perspective tostudy the four branches of Siping City Farmers Loan Risk control measures in orderto achieve timely detection of risks and to effectively manage risk in order to avoidand reduce the defect rate, credit guarantee financial security, and promote high creditbusiness, steady growth and continue to promote rural economic development toprovide financial security, a better practice Post Reserve Bank’s development strategy.