Postal Savings Bank Credit Risk Management Research-Take Anhui As An Example

Postal saving bank of china which is the fifth national commercial bank was founded on March20,2007. Microcredit business as a specialist financial product served for rural farmers, played an important role in undertaking social responsibility and pursuing profits, it’s credit qulity and risk management have a direct influence on the survival and development of the bank. Since2008, Postal savings bank branchs in Anhui province undertaked microcredit business service in more than1600bank outlets in which60%were distributed in rural area, with the development and experiences accumulation of the microcredit business service, the credit capital scale increased from700million yuan in2008to2.8billion yuan in2010. Many farmers and self-employed businessmen gained their most needed capital and benefited from the service, following the development of the microcredit business, the weakness and risk appeared gradually. Compared with the successful bank in this field, Postal savings bank branchs in Anhui province has worse performance in the control of microcredit business quality and bad loan ratio, which has threatened the healthy and sustainable development of the service.In summary, the article mainly arranged in the way of combining theory research with example discussion, according to practical investigations of Postal savings bank branchs in Anhui province and draw lessons from the domestic and overseas successful microcredit institutions risk management experiences, the SWOT analysis and credit risk index analysis of Postal savings bank branchs in Anhui province present development status were carried out. We found the mainly weakness of business process and non-business process and we aslo analyzed the reasons. Through the introduction of real-world examples, we explore how use soft informationg analysis, financial information analysis, logic test case in terms of customer and so on to improve the level of micro-credit risk management. Finally, the paper put forward corresponding solutions to the above-mentioned problems, that is to say strengthen loan "three look up" rule, make efforts to cultivate advanded credit risk culture, establish microcredit protect policiesand so on. The implementation of these suggestions may have many positive influences, such as risk management level promotion and the sustained and sound development of Postal savings bank branchs in Anhui province in microcredit business.