A Study On The Risk Of Micro - Credit Of Wenshan Branch Of China Postal Savings Bank

For a long time, Credit risk is the main form of risk for the entire banking industry, and even the entire financial industry. Especially since the 1980 s, As the trend of financial globalization and financial market volatility. Banks and investment institutions facing the unprecedented challenge to credit risk. China Postal Savings Bank was established on March 20, 2007,wholly owned by China post group company.Because it established for a shorter time, having some shortcomings in risk management.Taking Wen Shan branch as an example, the main study of microfinance business risk.Its aim is to reduce the Wen Shan branch microfinance overdue and the amount of non-performing loans, and continue with its own brand, network and service advantages to become a competitive bank in Wen Shan.In this paper, using quantitative and qualitative analysis for study the microfinance risk in Wen Shan Branch, which focuses on the risk of Wen Shan Branch microcredit quantitative analysis, and logistic credit rating model constructed an econometric model to calculate the single microfinance good bad probability, thereby reducing the risk level of microfinance. Firstly, for a theory analysis of microfinance and microfinance risk; then we analyze the current situation of China Postal Savings Bank branch in Wen Shan microfinance risk management, including the Wen Shan Branch microfinance credit risk scoring mechanism, microfinance customer’s home and economic survey and loan management security mechanism; subsequent detailed analysis of the risks faced by microfinance Wen Shan Branch, and for quantitative analysis of each risk factor, and 12 strokes microfinance risk determination, the conclusion is: borrowers, loans, loan term, as long as the loan form factor affecting the degree of credit risk, which, regardless of the lender to take any strategy, risk is unavoidable; for instructions to prevent micro-credit risk logistic regression model single credit rating Risk factors, including loan borrowers facing marital status, education level, assets, loan term, and the relationship between the borrower and the guarantor, and determine the probability of single microfinance is good or bad; Finally, according to the risk profile of the above analysis and risk factors, and make relevant recommendations of measures: First, strict implementation and improve the system; Second, improve the quality of employees; Third, constantly optimize the microfinance risk management.