Research On Credit Risk Of Small Loan Of Liaoning Postal Savings Bank

Credit business of Postal Savings Bank of China started late, and opened inLiaoning in recent seven years, to have a certain market share in China’s creditmarkets, thanks to the postal savings bank of Liaoning to explore the correspondingcountry economy credit. Postal savings bank profits from the overseas advancedtechnology, mature microfinance, to carry out the characteristics of the credit model isvery clear:"credit workshop" and "credit chain", in the service of urban and ruralhouseholds and city small business owners as the main purpose, in line with thedevelopment situation of China’s economy. The so-called chain refers to the sales ofproducts in the country by the postal network, and emphasize the workshop manualprocessing credit personnel information collected. Chain type of credit in our moreattention to close to the customer.The so-called "credit workshop", because farmers, individual industrial andcommercial households and small business owners do not have the standardization,standardization of financial information, which requires the postal savings bank creditaccount manager to help customers prepare a balance sheet and income statement,scientifically determine the line of credit; close to the market and customers, improvethe efficiency of examination and approval; at the same time, the postal savings bankin the credit business, loan application, examination and approval, issued in the local,the scale is very small, so, as a small workshop. Small business loans for flexible, sothat customers feel close to the postal savings bank of Liaoning, in line with "serviceof urban and rural people, location do best retail bank". The "credit chain", refers to the various branches like a chain store, to provide aunified, unified service, unified product quality credit service chain, as the"convenience store", not only have a high level of product, high quality service, andhas the advantages of convenient, whenever and wherever possible, in line with theneeds of the individual characteristics of retail customers and small business owners.First of all, this article on the current process of Liaoning postal savings bank loanswere introduced in this article, describes the current situation of micro credit businesscredit risk.Secondly, this paper carries on the risk of micro credit analysis of the causes, andputs forward the strategy for the future development of Liaoning postal savings bankmicrofinance.Finally, this paper put forward the measures of risk prevention of small loans,small loans and by citing a case to illustrate the potential risks, and puts forward someconcrete measures to prevent and collection.This paper tries to explain the process of handling small loans small loans ofLiaoning postal savings bank credit risk, and puts forward the future developmentdirection and measures, namely the microfinance business through the transformationand upgrading of way to do mass, improve the risk management mechanism, to avoidoverdue loans.