Micro Enterprise Credit And Risk Control Of PSBC

Develop and innovation of small micro?enterprise credit business,and effectively manage risks,at this stage,meaning China's rapid economic development is significant.At present,China government attaches great importance to supporting small and micro businesses,because of the importance of small businesses to the country's economy,small and micro businesses play an important character of the total economy,increase the national income and promote technological innovation have no irreplaceable role,particularly increased job opportunities,small and micro enterprises play an important role for social stability made a great contribution.Chinese small and micro enterprises accounted about 99% of the total number of enterprises,providing nearly 85% of the jobs,the contribution to GDP reached 60%,the healthy development of small and micro enterprises has far?reaching meaning to the national economy.But,the small micro?enterprise financing widespread in our country,the financing gap is huge,narrow channels of direct financing,indirect financing costs and other problems still plaguing the rapid development of small and micro enterprises groups.On banks to increase credit support to small and micro enterprises to be able to seize market opportunities,different operations,enhance their core competitiveness.However,due to the characteristics of small and micro enterprises themselves,the bank was unable to deal with large and medium enterprises in accordance with the credit process to handle small micro?enterprise loans,the need to strengthen risk awareness,and establish the appropriate credit risk management systems,in an effort to improve their profitability,while focusing prevent credit risks,thereby achieving sustainable growth in profits.This paper stand in the perspective of the Postal Savings Bank,through case studies,summarizes the postal savings banks and small micro?enterprise credit business success effectively control credit risk practice and in basic theory and practice analysis,proposed to solve the Postal Savings Bank of small micro?enterprise credit risk management of six suggestions: to fully fill the various aspects of vulnerability,and improve small and micro enterprises credit rating indicators,improve risk management mechanism,improve institutional functions set up,establish risk management culture,improve the small and micro credit business team building.We hope to achieve win?win situation between banks and enterprises,small and micro enterprises to create a postal savings bank credit brand.