Research On Risk Management Of Small Loans To Shihezi Postal Savings Bank

Eighteen big reports of the party to solve the "three rural issues" in a prominent position, fordeepening the reform of the financial system has also made the corresponding deployment. The report,financial institutions should strengthen the economic and social development efforts to support the weakfield. To improve the implementation of the credit policy, credit structure was further optimized, effectivelypromote economic development mode to speed up the transformation and structure adjustment. To increasethe "three rural", Small and micro businesses, strategic emerging industry, modern service industry, theindependent innovation of science and technology in areas such as financial support, promote thecoordinated development of regional economy. As the main force in rural finance, the higher the postalsavings bank undertakes the mission of serving the "three rural issues" in the new period. Small loanbusiness as the core business of postal savings bank, is an inevitable choice for the transition to thecommercial banks to implement the strategy of postal savings bank and the route one must take. Shihezipostal savings bank after five years of development practice and scale, small business loans have beenobtained double bumper harvest of social and business benefits. However, with the rapid development ofmicro credit business in the postal savings bank, the increasing risk, the bank profit space by the impact.How to manage and control the micro credit risk, improving credit quality and service level, is the key torealize the sustainable development of small business loans.Theory of knowledge based on the existing research results at home and abroad and the risk of smallloans, the use of summary of literature search and induction, has carried on the analysis to the small loansto Shihezi postal savings bank risk categories and risk degree through field survey; and the use of empiricalanalysis and normative, combining the method of qualitative analysis and quantitative analysis combinationof Shihezi postal savings bank, petty loan business development and risk management are analyzed, whichreveals the existence of small loans to Shihezi postal savings bank risk management problems.In order to solve the problems that in practice gradually, improve the risk management level of smallloans to Shihezi postal savings bank, strengthen risk management on the business development support,and puts forward some countermeasures for strengthening the loan risk management. That is: make thedevelopment orientation clear, reasonably determine the loan business development tone; business systemin strict accordance with the process specification, promote small business loans compliance management;improve the quality of the staff, strengthen personnel training, strengthening capacity building; strengthenthe construction of internal control mechanism, business health compliance and development to create agood environment; the introduction of risk transfer instruments, provides the powerful security for theprevention and control of risk.