Research On Risk Management Of Small Loan Project In Daqing Postal Savings Bank

Microfinance is mainly for the smaller amount the financial services clients who are often excluded from the conventional mortgage groups,which involving agricultural planting and breeding or other rural economic development related to production and business activities of the funding needs of the farmers,a small amount of a credit service,private enterprises and individual businesses and micro enterprises.However,there is no a unified microfinance risk scoring mechanism.And the funds of the small loans in Daqing will be large due to the local economy and the consumption characteristics in Daqing.Thus this thesis focuses on Daqing postal savings microfinance risk assessment system.And the results can effectively reduce the risk and improve the competitiveness of the postal savings bank in the market.Firstly,The present situation of Daqing postal savings bank microfinance business development is analyzed in the thesis.The main problems are that the reward and punishment mechanism is not coordinated,the ability to prevent personnel risk is relatively low,the staff quality is uneven,the credit business processing system can not fully support the business development and other issues.The principles of establishing risk evaluation index system of the postal savings bank microfinance project are analyzed.The constructing steps of Daqing postal savings bank microfinance project risk index system are proposed according to these principles.And the risk management index system of the postal savings bank microfinance project in Daqing city is established.The safety evaluation and management method of postal savings bank microfinance is proposed based on fuzzy analytic hierarchy process(AHP)theory.The weight of each index is calculated using the AHP improved by multi experts group decision making.Finally,the method can fully consider due to the uncertain influence factors for the safety of the loans,the risk management level of the accurate and objective evaluation of microfinance project,and put forward the management countermeasures of microfinance project risk according to the evaluation results.The application effect of small loans to the postal savings bank of Daqingcity project risk management is analyzed.The results show that the small loan of Daqing postal savings bank is of great significance.It meets the financial needs of the development of rural areas,but also enhances the growth of the main branch of the postal savings bank income profit point.The continuous improvement of risk assessment management system,the continuous development of small loan business and the continuous standardization of the process are the important guarantee for the healthy development of postal savings micro credit business.