Research On Risk Control Of Microfinance Loan Project Reemployment Chaoyang Postal Savings Bank

Chaoyang Postal Savings Bank’s re-employment small secured loans，which ispublic financial policy innovation of postal savings bank to provide loan guaranteesand interest subsidies and mainly set up by the government, is the guarantee fundprovided for the laid-off workers or unemployed re-employment and providesfinancial support for the laid-off and unemployed workers to look for jobs on theirown. The postal savings bank loan guarantee is a kind of credit services to a smalleramount. In the same year of China postal savings bank’s establishment, a small loanbusiness started, at present, it has been carried out in the nationwide, and achievedcertain results. In this paper, let us take re-employment small secured loan projectcooperatively set up by the Chaoyang Branch of postal savings bank and localgovernments as an example, to explain how to explore a improvement scheme fromthe beginning of cooperation, guarantee and counter guarantee, loan reviewinvestigation review and approval, authorization for lending to post loan managementof the whole process of rational planning, effective supervision and guidance to carryout. Credit risk monitoring system with strict and cautious, comprehensive industryput forward of project, the project to bring the bank credit risk to a minimum.Through the understanding of the basic situation of the Chaoyang Postal SavingsBank’s small loans to the re-employment project and the experience of similarloans and the analysis of process, I found that there are the some risks in thefollowing aspects: credit risk, operational risk, market risk, policy risk and moral risk. These five kinds of risks somewhat reduced Chaoyang postal savings bank’s assetquality of loan and slowed the pace of the project loan.Chaoyang postal savings bank’s re-employment small secured loan project risksresult from both internal causes and the influence of macroeconomic policies, mainlyreflected in the local government’s different re-employment loanguarantee policy support, due to the influence of government participationand asymmetrical information, participants of the re-employment small securedloan project exist different understanding of the project in some degree, inaddition there are some defects in the overall design process of project loans.In order to solve the above problems and reasonably avoid the risk of loan,Chaoyang postal savings bank prevent and control risks for the re-employment smallloans project from the following four aspects: calling on the government to improvethe re-employment policy and the construction of credit system; actively introducingexternal guarantee mechanism to strengthen the non-bank sector’s risk control andguarantee effect; a comprehensive optimization from loan product design to processdesign of the bank; combining with the analysis of the problems and found resultsfurther standardize loan three inspection. The above risk control measures result inthe scientific guidance to ensure the project smoothly completed.