Research On Risk Prevention Postal Savings Bank Of China Zibo Branch Microfinance Business

Postal Savings Bank of Zibo offer microfinance services since been subject to the attention of the government and businesses, farmers and small business owners. The bank offered small loans take advantage of powerful business opportunity for farmers and SMEs continue to provide financial support, at a profit, while actively fulfill their social responsibilities. However, the micro-lending business is a credit-based financial services, business development risks like twin sisters, will always be accompanied by the development of micro-lending business. So, for the Postal Savings Bank of Zibo, the construction of micro-lending business risk prevention system is significant.February28,2008, the Postal Savings Bank of Zibo Branch was formally established. Since2007microfinance services offered in Huantai County, has gone through a time period of nearly seven years, encountered a variety of typical problems. As the province’s second pilot run small businesses and cities to open branches in the province microfinance business has accumulated valuable experience at the same time, because it is very cautious, there is no precedent, currently the bank asset quality is not optimistic. Although the beginning of the Postal Savings Bank of Zibo Branch also opened branches in risk prevention measures microfinance were adequate and effective research and exploration, but because of the characteristics of micro-lending business itself, coupled with domestic and foreign counterparts in the advanced experience of difficult direct use of microfinance services to further increase the difficulty of risk prevention. Therefore, the Postal Savings bank of Zibo Branch To reduce bad debt, reduce overdue, it must be bold innovation, innovative, comprehensive risk prevention system to establish small open. This paper also as a research priority.So, first analyzes the present situation currently facing the Postal Savings Bank of Zibo Branch, presented a theoretical basis for risk prevention, subsequently affecting microfinance business major problem factors were analyzed, and finally proposed to build microfinance risk systems approach to solving Post low asset quality problems currently facing the reservoir Zibo Branch.