Postal Savings Bank Microfinance Risk Management Research

The postal savings bank has been focused on the development of micro credit business, farmers in the rural areas and remote areas of microfinance services mainly or small enterprise, provides funds to support the majority of the people, can effectively improve the state of the economy, alleviate social contradictions, has become an effective means of effective poverty, stimulating economic development. Small credit business is an important part of the China postal savings bank profits, with the expansion of micro credit business, the risk increases, how to prevent and control of micro credit risk, strengthen risk management has become the realization of the postal savings bank is an important factor to realize the sustainable development.This paper mainly uses the method systematically, studies the present situation of microfinance development significance, the postal savings bank and the main types of risk, cause of risk, and puts forward some suggestions on perfecting the system of micro credit risk management. Used for study of micro credit risk management of the postal savings bank is mainly by the following several points:(1) microfinance is not only of great significance, the postal savings bank to achieve strategic transformation, the necessary foundation of sustainable development; also the service "three agriculture", an important means for the development of the rural economy;(2) to realize the benign development of microfinance, we must build the credit system, strengthen risk prevention and control, in order to protect the postal savings and savings bank and customer interests;(3) postal savings banks need good positioning of the industry and customers, introduced with the market demand of credit products, in addition to the analysis method of improving the evaluation, and strictly regulate the loan approval of each process, contain risks from the source;(4) an important factor in employees’ comprehensive quality, enterprise culture, the management level and the auxiliary system is to promote the development of the postal savings bank of microfinance.