Study On Micro Credit Risk Factors Of The Postal Savings Bank LY Branch

At present,microcredit business provides financial services for those who are excluded from the traditional financial system.At the same time,microcredit business is the main form of rural financial services.Because of the particularity of the service and service industry,the microfinance credit risk and the influencing factors have certain particularity,such as the probability distribution of the credit risk of microfinance.Asymmetric,non systematic,and effective measurement of the characteristics of high difficulty,which requires that the financial institutions engaged in microfinance business should seriously study the influence factors and Management Countermeasures of credit risk of microcredit,in order to promote the healthy and sustained development of microfinance business.At the same time,if we can study the factors affecting credit risk of microfinance,effectively control the credit risk of microfinance,ensure its healthy development,and actively promote the pace of modern agricultural construction,it is of great positive significance for the effective implementation of the strategy of Rural Revitalization proposed by the nineteen reports.With the rapid development of the overall business scale,the credit risk of the microcredit business of the LY branch of the postal savings bank is increasingly prominent.At present,the key work should be to study the factors affecting the credit risk of microcredit,and put forward the targeted measures to protect the credit risk,in order to ensure the healthy development of the small credit business.At the same time,the healthy development of the microfinance business has made the postal savings bank LY The establishment of a good social image is of great significance.This paper firstly analyses the influence factors of micro credit risk,and then study the data according to the status quo of credit risk management of microfinance in the postal savings bank LY branch,using analytic hierarchy process to establish the postal savings bank LY branch of micro credit risk factors AHP model,through the empirical factors of the micro credit risk impact analysis,finally put forward the credit risk management suggestions and corresponding measures according to the influencing factors of the credit risk,so as to improve the ability of credit risk management of microfinance postal savings bank LY branch,to promote the healthy development of the microfinance business.At the same time,it can serve as an inspiration and reference for the credit risk management of other postal savings banks in China.