Rural Microcredit Risk Management Of R Branch Of Postal Savings Bank

With the continuous improvement of infrastructure construction in rural areas,the living standards of residents are improved.Especially in the 19 th National Congress,the Communist Party of China proposed a rural revitalization strategy.Rural residents have seen a series of industrial changes due to the expansion of large-scale production of crops,characteristic towns,and humanistic tourism.All of these lead to the increase of funding.In August 2017,the “ Three Rural Business Department ” of the Postal Savings Bank was established.The R City Branch of the Postal Savings Bank took a series of brave action,actively researching the market situation,aiming at serving the three rural areas,innovating credit products,ensuring asset quality and increasing credit income.However,while developing,there are also many problems.Since the property that farmers can mortgage is relatively small,it is difficult for assets realization and the ability to resist risks is weak.Therefore,how to prevent and control the risk of rural microfinance is to expand the scale of rural microfinance and it is essential to develop steadily.This paper first elaborates on the definition,characteristics and theories of rural microfinance risk,and then analyzes the development of rural microfinance based on the personnel organizational structure,business process,traditional business products,product model and characteristics of R city branch of postal savings bank.Then through SWTO analysis method,it analyzes the current situation of rural micro-credit development comprehensively.Then,taking the sub-branch of T county as an example,this paper conducted a questionnaire survey among 100 farmers in T county in the form of one-to-one questionnaire survey and in-depth interview,to understand farmers’ demand for small loans,arrears and personal credit information.Statistical R city branch in recent years internal staff risk violations,enumerate various types of cases and a brief analysis.By means of peasant household loans and bank employees violations comprehensive analysis found that the main problem is the product adapt to risk management and innovation ability weak,customer risk identification ability insufficiency,the credit after the process is not strict,post-loan risk control does not reach the designated position,behind the credit system,internal control mechanism is not perfect,are put forward to solve above problems and to optimize the rural financial product innovation,strengthen the risk management of the talent team construction,building inspection after the big data of credit system,the implementation of the credit,a sound system of risk management and so on five aspects of advice,timely discover and prevent loan risks.In view of the above problems,it is proposed to build a database-based credit rating system,strengthen the construction of talent teams for risk management,accelerate the innovation and optimization of rural microfinance products,implement post-loan inspections,and timely discover and prevent loan risks.Based on the theory and the development of rural microfinance business of R City Branch of Postal Savings Bank,the paper finds a better way to prevent the rural microfinance credit risk,which is beneficial for the continuous development of rural microfinance business.