Huludao Postal Savings Branch Garlic Base Microfinance Risk Management Research Project

Growth of the market economy across all trading venues involved, thedevelopment of market economy in rural areas are also subtle, sources of funding tosupport the economic development of the rural market has become real problems tobe solved, so that the introduction of microfinance development of rural economysaw hope, also inspired confidence in agricultural production staff dedicated toagricultural production and development, the contractor organization in the form ofsmall loans microfinance institutions, loan form between individuals, small loansunder the financial and banking services, postal savings banks New from the bankinginstitutions, government departments designated in large banking institutions tosupport agricultural production and the development of related businesses, financialinstitutions will make up for the lack of support for the status quo efforts onagriculture.In recent years, Huludao City, the commercial banks have withdrawn ruraloutlets, special loans in rural areas to further highlight the difficult problem, to solvethe farmers’ demand for loans, Huludao City, Postal Savings Bank branch missionExpedition depth Takahashi rural base to engage with local garlic garlic direct contactwith farmers planting, farmers need a detailed inquiry, research and explore the cityunder the leadership of the line, specifically garlic base Takahashi opened a specialloan.In this paper, Huludao Branch Takahashi garlic base microfinance projects as theresearch object, the type of analysis microfinance project risks, causes, andmicrofinance project risk evaluation. After the introduction of microfinanceTakahashi garlic base, based on the basic situation, the report pointed out that the riskof natural hazards Huludao Branch microfinance projects currently exist, trading risk,credit risk and operational risk. The reason for the presence of micro-credit risks ofthese risks are mainly produced by the climate, the large seasonal effects; farmers to follow the trend of strong investment market sensitivity is not strong; credit system isimperfect; regulatory function is not perfect. After analyzing microfinance projectsTakahashi garlic base types and causes of risk, based on systematic principle, theprinciple of the importance of the principle of the sensitivity of the project to build amicro-credit risk evaluation index system Huludao Postbank Takahashi garlic base,through the main component analysis on microfinance project risks were assessed.Finally, from the four aspects of microfinance on reducing the risk of policyrecommendations: First, to improve the credit and operational risk control. PostbankHuludao City Branch should develop as soon as possible and improve the relevantnorms Takahashi garlic base system to protect farmers small loans credit stability,garlic Takahashi specially formulated laws and regulations in the field of specialloans to small base, rational use of risk assessment system enhance the strength of thereputation risk regulatory Postbank Huludao stores. Before operating risks Takahashispecial garlic base small loans to farmers risk management, through loans, loan, andthe entire lending process that involves Huludao City, Branch Manager Post Bankloan is for everyone; Secondly, a sound regulatory mechanisms. Postbank clear inHuludao City Branch microcredit financial institutions attributes, the introduction ofspecial loans Takahashi small garlic base regulation related management practices,operational processes. Postbank Huludao City branch set small special loan regulators;again, establish a sound credit rating system, the establishment of a professionalcredit rating system. The introduction of a third-party rating agencies; Finally,strengthening the microfinance business and management innovation. Strictimplementation of credit policies, strengthen credit meticulous management. Enhancebusiness innovation, to create a dynamic incentive mechanism, to develop retailbusiness. Strengthen multilateral cooperation to improve the correlation between therole of the financial sectors, improve the environment of small grant special loans.