Research On The Management Of Micro-credit Risk Of Financial Institutions

In 2007,Postal Savings Bank of China(PSBC) was established, stated-up loan business in 2008.From then on,PSBC turned into large state-owned banks operating assets and liability from the savings institutions operating liability business only.At the beginning,PSBC takes the micro-credit business as the corn-business, supporting agriculture,rural areas and farmers,supplementing financial services in rural areas and promoting rural economy development.After seven years of development, micro-credit business of PSBC has expanded rapidly, showing a spurt of development. At the same time, because there is no historical baggage bad assets, bad loans rate is very low, but with the continuous development such as credit risk, market risk, operational risk, legal risk gradually exposed, resulting in non-performing loans, and quickly broke out within a certain period of time, thus preventing the development of business, making loans decreased rapidly.In this paper, the author combined with the existing research results at home and abroad and the risk of micro-credit theory knowledge, use the summary induction to summarize and query of the literature 。 The author takes a branch of PSBC as an example,analyzing and studying the risk and risk management of micro-credit of PSBC though the phenomenon of increasing new non-performing loans.PSBC micro-credit risk management problems include compliance risk awareness is not strong, do not place the loan system, a high risk to resolve the difficulty and cost, the quality of personnel can not meet the needs of business and healthy development, performance incentives and not really punishment mechanism into full play the role of weak implementation of the accountability system, etc.To solve these problems authors propose appropriate solutions in order to achieve reduction in non-performing loans the purpose of promoting business development loans...