Research On Risk Management Of Women Micro-finance Discount In Fushun Branch Of China Postal Saving Bank

Women discount microfinance in this thesis through the cooperation of the postal savings bank branch and Fushun government agencies at all levels to carry out the case study method as an example,through the combination of literature search and theory,expounds how to explore a cooperation,from the beginning of the loan investigation,loan review and approval,signing to the risk management of the whole process of credit management mode,and the risk management method of Prudential,comprehensively put forward the improvement scheme of postal savings bank Fushun branch's discount microfinance project,and how to reduce the level of risk,improve the risk management method of project research.The article is divided into four chapters.The first chapter briefly points out the background,significance and research methods of this thesis.First,a brief introduction of the development of women's discount microfinance business start-up and then briefly introduces the development of Fushun postal savings bank women discount microfinance business,summed up the significance of women's discount microfinance risk prevention and control;then in recent years,domestic and international microfinance research literature summary,summary of foreign and domestic scholars especially the research achievements of women in the field of small business loans discount microfinance business.The second chapter introduces the postal savings bank of Fushun women's discount microfinance business mainly risk identification,divided into three levels,the first layer introduces women's discount microfinance business in the course of development of our country,which focuses on women's discount microfinance in Fushun postal savings bank for the process,the loan risk case in the township of Xinfu and Fushun city under the jurisdiction of Fushun county.The city of Fushun,summed up the status quo of credit risk on different aspects such as moral risk,credit risk,operational risk,and the causes of these risks are analyzed briefly.The causes of the risk of the third chapter from a macro point of view in-depth introduction of the postal savings bank discount women small business loans,mainly summarized into three points,one is the unemployed women support policy is not perfect,not in place in the work of the postal savings bank to the borrower of women's employment and entrepreneurship training and policy guidance,the two is the project participation awareness deviation is the cognition of this business to every level of the staff is not in place,the three is the product design and process design of this business is also flawed,the combination of these three reasons,the risk is the root of the postal savings bank of Fushun women's discount small loan business generated.The fourth chapter introduces the measures of women's discount microfinance business risk control of Postal Savings Bank branch in Fushun,divided into four,one is to improve the construction of the postal savings bank policies and credit system of laid-off women,two is to improve the overall design of women's discount microfinance business,the three is to improve the postal savings bank Fushun branch women discount microfinance risk four is to strengthen the early warning mechanism,the non bank sector of the business risk control and guarantee effect.Through these four measures,I hope to be helpful to the postal savings bank branch Fushun women discount microfinance business risk management,the bank development and strive for further improvement.