Research On Microcredit Risk Control In Postal Savings Bank Of China L Branch

Microcredit is a kind of innovation in the financial system.Since the emergence of microcredit,the main goal is to provide financial services to low-income groups and use financial services to improve the per capita income of low-income groups,which increases the social employment rate.The historical development of the various developing countries in the world shows that microcredit is an effective way to help alleviate poverty and increase the employment rate of society.Although China's development in the microfinance business is only a short span of ten years,the development of microfinance business in China is extremely rapid and has achieved great success in developing the rural economy,expanding the financial services market and improving the three rural issues.Since the establishment of the postal savings bank in L province,we have attached importance to the development of microfinance business and insisted that the two major market positions of "serving the three rural" and "serving the community" when the State Council set up the postal savings bank and focus on the "three rural".Micro-credit business after eight years of development has a considerable degree of the business scale.Based on the development history and historical data of the microfinance business in the eight years,this paper combines the scale of the microfinance business,the product characteristics and the business structure of the microfinance business,resource allocation,asset quality and other operating status of the analysis,the use of interviews,field survey methods such as risk identification of its business,and through qualitative and quantitative analysis of the combination of micro-credit business found that the main risk of the cause,and finally proposed risk control measures for the main risk.The whole content frame of this paper is composed of four parts:The first part is the introduction,introduces the research background,the research significance and the scientific methods used in this paper,and studies the current situation of microfinance and its risk theory at home and abroad.The second part,combining with the status of small credit business of postal savings in L province(including development process,product system,business scale and asset quality),we interview with senior practitioners,using interview method,risk list survey method,Delphi method and other method.The information and business risk cases collected by different agencies and staff will be sorted out to find out the risk factors in the business.The third part,through interviews and questionnaires on the microfinance business of the bank,Multiple regression analysis,and analytic hierarchy process,it can find out the factors that lead to the formation of microfinance risk,and to quantify the impact of various factors on business risk.In the fourth part,the corresponding business optimization methods are given to the causes of risk,and the suggestions of improving risk control are put forward.The method used in this paper is to use the some interview methods to understand the factors that lead to the risk of microfinance business through the exchange of senior microfimance practitioners with the province's provincial savings bank.Through the multiple regression of the microfimance non-performing loan ratio analysis,we find out the main influencing factors,and then through the analytic hierarchy process of the various factors,we make sure the quantitative weight of the risk factors.The conclusion of this paper is that the microfinance risk factors of the provincial bank are mainly divided into three categories:the borrower factor,the internal factors of the bank and other external factors.The three categories are divided into two categories:the bank's internal control risk is 26.37%,the borrower's moral integrity is 13.11%,the employee's quality risk is 12.95%,the borrower's pay-will is 10.98%,operating process is 6.85%,the market price fluctuates the risk 6.66%,the borrower operating level risk is 6.65%,the feature of product is 4.64%,government policy is 4.64%,interest rate price is 4.56%,borrower financial situation 2.16%.Finally,aiming at the credit risk prevention work of the postal savings bank of 1 province,the paper puts forward specific measures and suggestions to improve the internal control risk and staff capacity of the bank.