Research On Risk Control Measures Of Petty Loans Of The Postal Savings Bank Of China Hefei Branch

The definition of micro-loan approved by most experts and scholars in the international community refers to the financial institutions that specialize in micro-finance or provide micro-banking business.They mainly serve low-end customers,such as poor people or low-income people.They also provide a financial model specially for micro-loan products,based on the system of group credit guarantee of borrowers or providing full-value collateral.Type.Promoted by the rapid development of real economy and the continuous reform of market economic system,the concept of microfinance has changed,which is mainly reflected in the transformation of the object of loans from poor people to small and micro entrepreneurs and household farmers.This change directly leads to more and more commercial banks joining in the team of microfinance business.Among the commercial banks,the concept of microfinance has changed.Competition in business is also growing.Only by constantly expanding its competitive advantage and narrowing its competitive shortcomings,can we maintain the market leading position and lay a solid foundation for the sustainable development of micro-loan business.This paper chooses Hefei Branch of Postal Savings Bank as the research object mainly for the following reasons:First,the bank is a newly-established bank which has just been established for ten years,and has outstanding performance in the field of micro-loan business.Now the balance of micro-loan is among the top commercial banks in the province.Second,the increasingly fierce industry competition urges Hefei Branch to enhance its competitiveness as soon as possible and consolidate its current industry status.As a key means to achieve the healthy and stable development of the business and enhance its competitiveness,Hefei Branch urgently needs to put forward improvement and solutions to the problems in the process of risk management and control at this stage.This shows that the research object of this paper is typical in the field of micro-credit business.The status quo and problems of risk management and control can be studied and good business development basis determines that the improved risk control measures and recommendations can be put into the process of risk management and control more accurately,and the practical effect can be observed as soon as possible.This paper is divided into six chapters.The first chapter is an introduction.As the first part of the paper,this part firstly elaborates the background of the topic,the significance of the research,the research status at home and abroad,and systematically introduces the content,research methods and main innovations of this paper.Then the second chapter elaborates the related theories of risk control of micro-loan,including the related concepts of micro-loan and the basic theory of risk management of micro-loan.By comparing the domestic and foreign banks'operational frameworks,it analyses the differences and respective advantages of domestic and foreign banks in risk management and control.The third chapter mainly summarizes the development status of micro-loan in Hefei Branch of Postal Savings Bank,to analyze the main types of risks faced by micro-loan in Hefei Branch,and to take measures to control the risks faced.The fourth chapter is divided into two parts.The first part is to study and discuss the existing problems in the risk control of micro-loans of Hefei Branch of Postal Savings Bank at this stage,and the other part is to analyze the causes of the existing problems.The fifth chapter,as the focus of the whole article,is mainly based on the existing problems in the process of wind control,using abundant theoretical research results,combined with the development status of micro-loans in Hefei Branch summarized above,puts forward seven measures and suggestions,such as strengthening external construction,optimizing the design of micro-loans products,earnestly implementing the"three checks,system,strengthening organizational security,optimizing the allocation of manpower,etc.The last chapter is the conclusion and outlook.It gives preliminary conclusions on the main problems of the study,and briefly analyses the shortcomings of this paper.In conclusion,as a characteristic business of Hefei branch of Postal Savings Bank,microfinance can not only help farmers and small and micro enterprises effectively solve the problem of financing,but also is the main growth point of the bank's income and profit.Therefore,in order to maintain the sustainability of the development of small loan business and realize the steady growth of income and profit,it is particularly important to do a good job in risk management and control of small loan business.The key to do a good job in risk management and control is to improve risk control measures according to the actual situation and to build a relatively perfect system of risk management and control as soon as possible.