Study On The Risk Management Of Small Loan Of Hailin Postal Savings Bank

Give priority to the financial investment in agriculture and rural areas, to encourage and guide financial capital, industrial and commercial capital to invest more in agriculture and rural areas is the primary task of China's new rural construction. To carry out the comprehensive reform of rural finance to explore innovative rural financial organizations and services. Development of rural financial leasing business. Pinout the support of national policy of policy loans to farmers under the premise of risk control to promote the safe and orderly rural land contracting management right and farmers housing property rights mortgage pilot, the positive development of forest right mortgage loan etc. various loan mortgage mode. But the postal savings bank as an independent business enterprise, the pursuit of profit maximization is the fundamental enterprise development, the postal savings bank mainly consider the benefits and risks of the size of the issuance of small loans to farmers, starting from the rural microfinance risk management, the first part mainly discusses the research background and significance, research status quo of rural microfinance risk leads the management and the main content; second chapter mainly rural microfinance and the comprehensive risk management theory; the third chapter mainly introduces the Hailin City postal savings bank of small loans to farmers and farmers microfinance process; the fourth chapter firstly analyzes the existing rural microfinance and rural microfinance risk management problems, and then find out of Hailin postal savings bank loan risk causes; the fifth chapter mainly aims at improving Hailin City Postal savings bank peasant household small loan risk management policy recommendations.