The Risk Identification And Control Of Jiujiang Postal Savings Bank To Small And Medium Enterpirse Credit

The core business of the postal savings bank is small business credit.Practiceshows the postal savings bank has obtained the very good benefit in small loans tosmall and medium-sized enterprises in the business. The postal savings bankfinancing of the small and medium-sized enterprise risk management concepts andmeasures have not kept pace with its business development speed. It leads to thebank’s risk problem in the small and medium-sized enterprise loan, which hinders thehealthy development of the postal savings bank to a certain extent. Therefore, thepostal savings bank to accurately timely identification of risk, to understand the riskof small and medium-sized enterprises credit may bring to the bank losses, and timelyto the existing risk control, improve the postal savings bank to provide effectivecountermeasures in the risk with the problem of SME credit.This paper describes the theoretical basis of China’s postal savings bankfinancing and SME Cooperation, including risk management theory and SWOTanalysis theory. We introduce the small and medium-sized enterprise financing riskand the postal savings bank credit status and risk control. And then to the Jiujiangpostal savings bank as an example, expounds the financing of small andmedium-sized enterprises in risk identification and control. By using SWOT analysismethod to analyze the strength, Jiujiang postal savings bank in the financing of smalland medium enterprises weaknesses, opportunities and threats, and to Jiujiang postalsavings bank in the financing of small and medium-sized enterprises in cooperationthe weaknesses and threats as the starting point, research in cooperation with smalland medium-sized enterprise financing risk recognition, including recognition, naturalrisk, credit risk, business risk, moral risk and operational risk. According to theanalysis and identification, from the strategy of SME financing risk control in theother commercial banks, combining the strengths and opportunities of Jiujiang postalsavings bank in the financing of small and medium enterprises, and puts forward thecontrol strategy is feasible. Research results show that development of Jiujiang postal savings bank credit business in the small and medium-sized enterprise has achievedrapid development, but the rate of default by the small and medium enterprise highand overdue rate caused by the credit risk problems still exist, and these problems arethe external factors and internal factors.In this paper, through risk identification and control of the financing of smalland medium enterprises, to provide guidance for the development of small andmedium-sized enterprises to strengthen credit business of Jiujiang postal savings bank,and provide reference for development of the postal savings bank credit business.