Research On Risk Management Of Loan Use By HZ Branch Of Postal Savings Bank

In recent years, our country commercial bank loans are used for emerging risks. As to post office bank HZ branch as an example, the statistical measure, according to the results of the credit system by the end of October 2015, in HZ branch within the jurisdiction of the nine branch has four branches of the loans are used for risk monitoring index exceeds the specified index.Which means, strengthen the commercial bank loans are used for risk management is imperative. China banking regulatory commission (CBRC) for commercial bank loans are used for risk regulation has attached great importance to, and issued a series of management measures and operation procedures, to prevent risk of loans are used for high demands are put forward. On this basis, this paper will study the loans are used for risk management in detail, trying to build a set of applicable to the post office bank HZ branch such commercial bank operation system, ultimately achieve real, reduce the risk of late, to ensure the quality of credit assets.In this paper, in addition to the first chapter is introduction, the main content is divided into four parts.The first part namely chapter two, this is relevant theoretical basis. First of all loans risk management purposes such as clear definition of the concept and moral hazard under information asymmetry theory profoundly analyzes the commercial bank loans are used for the mechanism of risk; And then the specific goals of loans risk management purposes and processes, as well as the application of risk management in loan identification, measurement, monitoring, control each link of commonly used methods for commercial Banks; Finally pointed out the loan application of mistakes during risk identification.The second part is the third chapter, is the post office HZ branch bank loans risk management present situation analysis purposes. Using the theory of the second chapter of knowledge in this chapter to analyze HZ branch post office bank credit business review, from HZ branch loan application form of risk and risk of loans are used for size measure, can draw the following conclusion:at present, the post office bank HZ branch USES risk management mainly exists in loan loans light tube, lack of credit loans are used for tracking after, money flows tracking difficult to carry out the three aspects of the problem. Aiming at the existing problem of the three aspects specific analysis, found the main reason is lack of understanding of the importance of the loans are used for monitoring, credit monitoring system is imperfect, weak regulatory penalties.The third part namely chapter iv to chapter 5, is HZ branch post office bank according to the cause of the problem loans are used for risk management improvement measures and implementation effect and evaluation. Among them, the fourth chapter, first of all, in view of the post office bank loans are used for HZ branch risk management problems and their causes, put forward to strengthen loan fund supervision, strictly control each link the loans are used for risk management and enhance post-loan management efficiency of three aspects, such as improving measures. The fifth chapter is the evaluation of effect and improvement measures after implementation. Investigation found that measures the use of the good results have been achieved, the loans risk management purposes, the pressure drop for HZ branch YuQiLv, ensure the quality of credit assets has laid a solid foundation.The fourth part is chapter 6 of this article, the full text is summarized, and puts forward the main points of the follow-up study.The innovation of this paper is:(1) on the content of the loans risk identification purposes to comb, it can be divided into three parts, respectively is the industry of business, financial condition, real contract and rationality. At the same time increased the loans are used for the analysis of the identification error. (2) except for the money in put forward the improvement measures of regulation and post-loan management detailed operational measures are put forward, also the first time put forward to standardize entrusted to pay limits, executives involved in the investigation.