Research On Internal Control Of Microcredit In Postal Savings Bank Of China Of BY Branch

A Study on the Risk Management of Microcredit Internal Control in Commercial Banks-A Case Study of Postal Savings Bank of China of BY Branch Microcredit business is an important source of income in China’s financial industry.After several decades of rapid development,microcredit business has occupied the dominant position of income.Postal Savings Bank of China is a new commercial bank developed on the basis of the original postal savings business.In order to successfully complete the transition to modern commercial banks and to better meet the requirements of the local government,China Postal Savings Bank Business as the main business to look at.After a long period of development,the microcredit business has made great progress,for enterprises and society have brought some economic benefits,to serve the local economic development is essential to the new business type.However,due to the unique mode of operation of the microredit business,the development process is too fast,so its risk prevention and control is relatively inadequate;leading to the internal control risk of the microcredit business is highlighted.Leading to the pace of development of microcredit business is particularly difficult.The existence of internal control risk management problems,led by the development of microcredit business,seriously affected the postal savings bank income level.Therefore,we should manage the microcredit business into the bank management system and management system innovation is an important content,should take practical control of internal risk management measures to consolidate the postal savings bank microcredit business development foundation.This paper focuses on the postal savings bank’s internal control of the microfinance business,in which case the postal bank BY branch credit business as a case of analysis,pointing out the loopholes in the development of credit business.This paper first introduces the postal savings bank microcredit and then points out the theoretical basis and practical significance of its internal control.Secondly,it draws on the internal control problem and the cause of the small loan triggered by the loan subordinate branch of the postal bank,and finally puts forward the reasonable measures To solve the postal bank microfinance business internal control issues.This paper will help to enhance the microcredit risk management and internal control efficiency of the post office of the postal bank,so as to better promote the development of the microcredit business of the Bank BY Branch and improve the microcredit business of other commercial banks System and risk management play a reference role.