Research On Risk Management Of Mirco Credit Of T Branch Of PSBC

The postal savings bank in the premise of system reform,clear market positioning,through the positive development of microfinance,the completion of the strategic transformation,and achieved good results and work experience.But there are still some problems in the microfinance risk management,the existence of these problems,to a certain extent restricts the sustainable and healthy development of small loan business.The on the basis of theory research,learning from the experience of the risk prevention at home and abroad,a comprehensive analysis of the status of Henan Province postal savings bank T branch of micro credit business,find out the bottleneck link of risk prevention.Then,the use of management science,economics and other disciplines theory to analyze the risk prevention system of the basic design idea,and then come to the postal savings t branch of micro credit business risk prevention system's overall framework and finally to the organizational structure,business processes,early warning indicators and archives management sub system of specific design to comprehensive prevention of micro credit risk.Henan Province postal savings bank T branch microfinance business risk prevention system construction is conducive to the healthy development of the microfinance business,has certain reference value on across the country postal savings bank and other commercial banks.