Research On The Improvement Of Small And Micro Credit Risk Management Of Postal Savings Bank Of China Shandong Y Sub-Branch

At present,China’s economic development has entered a new normal.Faced with the changeful international environment,weak macroeconomic growth,and the arrival of the era of big data,artificial intelligence and mobile interconnected finance,small and micro financial markets are facing unprecedented challenges.How to keep pace with the times and effectively control the risk of small and micro credit and strengthen risk management has become an important issue that needs to be solved urgently ahead of Postal Savings Bank of China Y Sub-branch.Postal Savings Bank of China Y Sub-branch is the research object in the paper.Based on analysis of the theories and characteristics of small and micro credit risk management,aiming at the practice research of small and micro credit risk management of Postal Savings Bank of China Y Sub-branch,and combining with years of experience in small and micro credit,the present situation of small and micro credit risk management of Postal Savings Bank of China Y Sub-branch is deeply analyzed and some problems in the small and micro credit risk management of Y Sub-branch are clearly shown in the paper,such as unreasonable credit structure,non-standard business process execution,backward risk control means,and deviation in performance assessment.The causes of the problems include weak awareness of risk prevention,inadequate implementation of policies and regulations,imperfect operation platform for risk management,and poor quality of business personnel.In view of the above problems,based on definition of guiding ideology,and optimization of objectives and basic principles,the improvement plan for small and micro credit risk management of Postal Savings Bank of China Y Sub-branch is formulated from aspects of adjusting the structure of small and micro credit,strengthening business process management,innovating risk control means and optimizing small and micro performance appraisal in the paper.Finally,the corresponding measures are formulated to ensure the implementation of the plan from aspects of enhancing risk prevention awareness,strengthening the implementation of policies and regulations,perfecting the risk management operation platform,and improving the quality of business personnel,so as to enhance the risk management ability of small and micro credit businessBased on the actual situation of the development and management of small and micro credit business of Postal Savings Bank of China Y Sub-branch,the problems existing in the risk management of small and micro credit business are analyzed,and the improvement plan is put forward in the paper,which can improve the risk management ability of small and micro credit business.Meanwhile,it can also be used as a reference for other banks in risk management of small and micro credit business.