Research Of Micro-credit Risk Management In Postal Savings Bank Of Shaanxi Province HZ Branch

Micro-credit of the postal savings bank refers to its small amount of loan to a single borrower.It includes business loan for the owners of private enterprises(including individual proprietorship enterprises,partnership,individual partners,limited liability company individual shareholders),individual industrial and commercial households and urban individual operators and farmers microfinance for agricultural cultivation and breeding.With the expansion of the micro-credit business,the postal savings bank of Shaanxi province HZ branch now is mainly confronted whit the credit risk,the market risk,the operating risks and the legal risks.To achieve the sustainable development,the management and the control of the micro-credit is the key issue of the operation success.At the same time,it has great significance for the postal savings bank of Shaanxi province HZ branch to maintain the social image of operation safety and brand excellence.This article uses the method of literature review and summary induction to study the small loans business risk management in the postal savings bank of Shaanxi province HZ branch.The first chapter of this paper is about the background and purpose of research,the research results at home and abroad,research content and approach of this paper.The second chapter is the theoretic summarize about risk management and micro-credit business.The third chapter theoretically reveals loans risks.The fourth chapter evaluates the risks and analyzes the existing problems of the micro-credit business.The fifth chapter is about precautionary measure from the micro-credit business risks.The postal savings bank of shaanxi province HZ branch set up only 6 years.The level of credit risk management of domestic banks and financial institutions have a certain gap.The microfinance clients has the features of big fluidity,dispersion,the integrity of law-abiding consciousness and personal credit information lack.This paper combined risk identification and assessment of the micro-credit of the postal savings bank of Shaanxi province HZ branch with the small loan of Shaanxi HZ bank's management present situation and the existence question,and proposed solution of the question and Countermeasures to prevent the risk,and provide the reference for the risk management of The postal savings bank of shaanxi province HZ branch.