Study On Regulation Of Postal Savings Bank Micro-credit Risk

The development in China of the small credit is though only in a short period of short decades, but fast growing, have made the staggering success against respects such as the poverty and developing rural finance,etc.. Post and store the bank and regard small credit line as the key strategy business, give play to posting the inherent requirement which stores the comparative advantage of the bank, post the inevitable choice of storing the development strategy of the bank and only way of making the transition to the commercial bank, important action that it is agricultural that it is too to post and store the bank "to serve three". Practice has proved, post store bank develop small credit line make better benefit of social benefit and enterprise. However, while developing fast, the risk control measure of the small credit line, relevant supporting policy,etc. have not really kept up with the development speed of the business, have hindered posting health and sustainable development to store small credit line of the bank to a certain extent.This text introduces development course of small credit of our country and small credit of foreign countries to practise, have combined the real argumentation and posted and stored city branch’s small credit of bank to offer the situation, existing subject problem, put forward the countermeasure and suggestion from the bank pointedly. This text contributes to promoting to post and store the benign sound development of the small credit line of the bank, help small little enterprises to offer the financing chance, relieve the small little enterprise’s financing problem, solve the problem affecting people’s well-being, promote the development of economy of our country.