The Research Of Rural Microfinance Risk Management Aming At Post Office Bank In Yiyang City

Microcredit is a kind of financial service which offers small loans to those borrowers who are rejected from regular financial systems. Its risk management technology differs from regular financial institutions. As one of the most important development pattern of agricultural economy, the microcredit in rural area of our country still has a short history, it bears huge theoretical and practical meanings for solving the three rural issues. In fact, due to lower economic status, farmers have little collateral possessions in agricultural loan. This causes issues in lacking of scale and risk-resisting capability. Therefore, it is of great significance to manage and control the risks of rural microcredit system and improve the quality of loans in order to ensure development of rural microcredit service.Base on the foundation of rural finance and credit risk management theory, utilizing theoretical, survey, qualitative and quantitative analysis, this paper introduces the current risk management of rural microcredit about postal savings bank in Yiyang city, then summarizes the problems involved, which definitely include the facts:the customers'ability to identify the risk is insufficient, the qualities of risk managers need to be strengthened, adaptability of products and the innovation capability are poor, it is difficult for us to control the Post-loan risk, and the institution of risk management is unsound. This paper takes the branch of postal savings bank in nan county Yiyang city as an example, applying two means including distributing questionnaires and having in-depth interviews into those people who live in the 13 towns of Nan county, the objects of investigation included the farmers, the low-level managers working for the bank and the officers offering loans, according to the investigation results, I detailedly analyze the development of the bank's microcredit businesses, the current situation about risk management and the problems in the process of risk management. To solve these problems and aim to improve risk management standard, some specific suggestions are provided as follow:build a reasonable database-oriented credit appraisal system; professional team building; accelerate the speed of innovation and optimization around existing rural microcredit products; and ensure the post loan inspections, as well as risk management institutions.