Non-performing Loan Analysis And Risk Control About Rural Micro Credit In Postal Savings Bank Of Taian

At the Third Plenary Session of the18th Central Committee of the Communist had laid down:"the development of Inclusive Finance". In our country at present, the rural financial services was one of the fundamental in Inclusive Finance. In2007, approved by the State Council, Postal Savings Bank of China(PSBC) was established, and which the basic position he was serving agriculture, rural areas and farmers. PSBC opened Micro credit in its inception, by the end of2013, PSBC had been issued13million loans to the county and county rural areas and more than800billion yuan, which eased the plight of the farmers’"financing difficulties". But at the same time, Nonperforming loan about Micro credit in PSBC also presents the fast growth tendency. At the end of2013, the nonperforming loans reached5.3billion yuan, individual tier-one branches of defective rate was more than10%, and there were more than100sub-branches’non-performing loans over10million yuan. In PSBC, the asset quality of farmers’loans dropped had become the most important factor to restrict the sustainable development of Micro credit.Taian branch officially opened rural Micro credit in2008,which developed quickly in initial stage, but soon we had serious difficulties in Nonperforming loans balance and bad rate rapidly growing, Nonperforming loan balance once was in the front ranks of all over the country, there were two county branches were in suspension. After nearly two years of comprehensive treatment and recovery, non-performing loans fell from month to month, and now which fell nearly half than the highest.At the same time, the quality of new loans has been effectively controlled, and was out of trouble preliminary, begin growing on a more sustainable path step by step, the development of non-performing loans of Taian branch had in common with the current national non-performing loan balance in higher regions,and it was a representative branch.In this paper, starting from the development practice of rural Micro credit in our country, analyzing the development of the PSBC rural Micro credit and risk control measures, we researched on the change of the development about Nonperforming Micro credit in Taian branch from the business management, internal and external environment, non-performing loans and other aspects, by using statistic description, case analysis, comparative analysis and other methods. PSBC was younger and opened credit business was later, which its practitioners were inexperienced,the risk awareness was not enough, and was in violation of the objective laws on credit business, The cause of rural Micro credit non-performing loans which rose quickly were various, but the most fundamental reason was the internal management was out of control,"impostor loan" was the main form which cause the rural nonperforming loan. Making rural Micro credit respect the objective law, strengthening internal control management and team construction, improving the innovative products, controlling the customer assessment, together with the local government to build a good credit environment.