Research On Risk Management Of Reemployment Loan Project For Age Around 40 And 50 In Shenyang Branch Of Postal Savings Bank

Employment has always been a matter of high concern to the nation and it is also the basis of the people's livelihood and the policy of peace.The solution to the employment problem is directly related to the improvement of people's living standards and social stability.Promoting employment is one of the important goals of macroeconomic policies.Under the premise of a slowdown in the overall economic growth of our country,the total number of unemployed people has also increased.In particular,for 40 and 50 groups,the ability to accept new things is not as good as that of young people,and they are generally shouldering the burden of the family if they cannot be resolved in time.The problem of reemployment of the unemployed in this group of people may intensify social conflicts.Under the circumstances of increasing the total number of unemployed people,it is particularly important for the state to introduce policies to encourage the unemployed to re-employ.In recent years,the government has introduced a policy of re-employment of small-sum secured loans to support laid-off and unemployed people in starting businesses and employment.The entrepreneurial enthusiasm and initiative of re-employed people have been stimulated.Many employees who are in urgent need of re-employment have gradually paid attention to the policy of re-employment micro-guaranteed loans.This article uses the theory and method of project management to study the risk of the reemployment loan business of 40 and 50 groups of the Postal Bank of Shenyang Branch,and to prevent the re-employment loan business risk of the Shenyang Branch of the Postal Savings Bank at the source.The main contents include:First of all,it analyzes and explains the research background and significance of this paper,and studies the necessity of risk prevention for the reemployment loan projects of the 40 and 50 groups of the Postal Bank of Shenyang Branch.Since the reemployment loan is a kind of safeguard fund led by the government,it is used for laid-off workers and part of the unemployed to support the policy of reemployment.After providing certain loan guarantees,the Postal Savings Bank has provided loans,which has caused widespread public concern.The risk of re-employment loan projects at the Postal Savings Bank Shenyang Branch was highlighted.Therefore,the article mainly uses the project risk identification in project management as the theoretical basis,and uses literature research,theoretical and practical analysis methods to identify and prevent risks from the source of re-employment loan project risk,effectively preventing and reducing Occurrence of employment loan risk.Secondly,the relevant introduction to the re-employment loan project of Shenyang Branch of Postal Savings Bank.Finding and analyzing the application of the loan from the Postal Savings Bank Shenyang Branch and the main conditions of project recovery.In-depth analysis of these experiences to understand the current risks of the project,including policy risks,market risks,credit risks,operational risks and There are many aspects of moral hazard.These risks are all reflected in varying degrees,which greatly reduces the overall level of borrowing assets of the Postal Savings Bank Shenyang Branch,and at the same time limits the smooth development of project loans.Thirdly,the study analyzed the reasons for the risk of reemployment projects in the 40 th and 50 th groups of the Postal Savings Bank Shenyang Branch.Whether the local government provided sufficient support to promote the progress of reemployment secured loans is a risk to the postal savings bank Shenyang Branch reemployment project.The main influencing factors.Due to the unfair influence of government participation and partial information acquisition,re-employment loans have differences in the selection of the main body of loan projects,and they have their own direction of support.The overall process design of loan projects also has certain deficiencies.Finally,in order to minimize the risk of 40 and 50 group reemployment loan projects,the Postal Bank of China Shenyang Branch adopted a variety of measures,mainly including the following measures to reduce the risk probability: the government departments give more Support efforts to provide personnel with reemployment training,provide a more scientific credit system,find professional external guarantee agencies,impose stricter risk control on the banking sector,and ensure that the banks themselves have a more reasonable structure in the design of borrowing products and processes.At the same time,in accordance with the analysis results and existing deficiencies to further standardize the use of the above risk management and control methods,to provide scientific guidance for the 40 and 50 groups of re-employment loan projects of the Postal Bank Shenyang Branch to ensure the successful completion of the project.Through this study,we hope to provide some ideas and methods for the risk management of reemployment projects for the Shenyang Branch of the Postal Savings Bank,and help the risk management of other loan projects for the Shenyang Branch of the Postal Savings Bank,and provide reference for the same industry..