Research On The Microfinance Risk Status And Countermeasures Of A Branch Of Postal Savings Bank Of China

Microfinance is a financial service provided by financial institutions specifically to borrowers that are excluded from the formal financial system,and which provide the relatively small amount,unsecured guarantee of financial services.It aims to promote economic development in underdeveloped regions and poverty-stricken regions.Such borrowers mainly include individual merchants,micro-enterprises,and low-income groups that cannot provide collateral items for security and are in poor financial status.Therefore,the particularity of the borrower's object determines the complexity of the micro loan risk.Based on the summary and application of the relevant theory of microfinance,combined with the actual situation of the microfinance risk of the A branch of the Postal Savings Bank,this paper makes a specific understanding of the risks and countermeasures to solve the risks.The research content of this paper is mainly divided into three parts: Firstly,the status of microfinance risk of A branch of Postal Savings Bank was analyzed.It was found that the non-performing loan ratio and the amount of non-performing loans of Postal Savings Bank A branch has been rising in the past two years,and the distribution of small loans and guarantee methods is also relatively simple.Then,the reasons for the risk of microfinance at the Postal Savings Bank A branch were identified.The reasons mainly included the failure to strictly implement the “three-inspection” system for microfinance,lack of professional personnel and related systems,poor loan environment and so on.Finally,in response to the mentioned microfinance risk conditions and risk factors above,targeted solutions were proposed: First of all,strengthen the loan risk management;Secondly,strengthen the construction of credit teams and improve the relevant systems;and in the third place,improve the credit structure,so as to promote the sustained and healthy development of micro loan business of the A branch of the Postal Savings Bank.