Research On Microcredit Risk Management For Farmers Of Postal Savings Bank LF Branch

In the context of the coexistence of multiple situations such as bad financial market competition environment,interest rate marketization and financial "disintermediation",the development of farmers’ micro-credit market is facing unprecedented difficulties,which puts forward higher requirements for the risk control ability of banks and other financial institutions,and the country naturally requires the steady development of the financial industry to reach a higher standard.Under the rapidly changing market environment,how to better assume the responsibility of inclusive finance,orderly promote the healthy development of farmers’ micro-credit business,and better serve the local economic development is an urgent problem for the sub-branch of Postal Savings Bank LF.Based on the current situation of the development of sub-branch farmers’ microfinance business,this paper summarizes the sub-branch farmers’ microfinance risk management measures,and points out the shortcomings of farmers’ microfinance risk management.Then,in order to analyze farmers’ microfinance risk more comprehensively and objectively,the case analysis method is used to summarize and analyze the default cases of sub-branch farmers’ microfinance business,and effectively identify farmers’ microfinance risk factors.Then,use Delphi method,analytic hierarchy process and fuzzy comprehensive evaluation method to evaluate the overall level of farmers’ microfinance risk,and accurately identify the higher risk factors of farmers’ microfinance.Finally,it puts forward the optimization countermeasures and safeguard measures for the risk management of farmers’ micro-credit to ensure the smooth implementation of the sub-branch farmers’ micro-credit risk management.Through research,it is suggested that the sub-branches should strengthen the cooperation between banks and governments,take root in the development of agriculture,rural areas and farmers,follow the market rules,promote the sustainable development of rural finance,optimize the agricultural development model,control risks through multi-level linkage,strengthen policy guidance,improve the rural credit system,implement the audit and analysis process,strengthen the pre-loan risk investigation,adhere to the review and approval standards,grasp the essence of loans,and use three strengthening measures to improve the post-loan management level,Many measures were taken in parallel to standardize the management of farmers’ collateral.At the same time,it is proposed that the sub-branch should formulate reasonable business development strategies,improve the relevant systems of credit business,strengthen the construction of the customer manager team,actively promote the innovation of credit products,and build a good credit business culture and other security measures.