Research On The Risk Control Of Small Loan Project Management

With China's financial field of microfinance project operation scale growing,loan delinquencies and defaults occur frequently,microfinance bank non-performing loan rate is high.Each kind of risk of the project operation is reflected day by day.At home and abroad after long-term practice has proved,if there is no perfect and effective micro credit risk management mechanism,will lead to microfinance projects difficult,subsequent development of fatigue,and even lead to the credit crisis in the financial sector,the end can not achieve the state support for the development of microfinance project expectations,cannot meet the demand of microfinance borrowers of funds.The postal savings bank microfinance project started in December 2005 in Shaanxi,Fujian,Hubei three project,June 2007 officially launched in Henan,and then gradually in the nationwide promotion of small loans.China postal bank regard providing quality financial services as the goal.The main service in the city of rural construction and development of small and medium-sized enterprises,effectively solves the problem of China's agriculture,city businesses and small business financing problem.But there are still many problems and contradictions in the aspects of risk management and control of the project,the main problems include: small loan project risk source and control point analysis and research the in-depth,comprehensive,some risk points are not clear enough;compared with the level of customer credit risk,from the inside and outside the Liaoning branch of the postal savings Ministry of personnel,the credit system,business processes and other aspects of operational risk,in the field of microfinance projects more hair;secondly,Liaoning Branch of the postal savings micro credit project risk management and control level is not high,means of a single project risk prevention and control and lack of risk information system support.System in order to solve the Liaoning Branch of the postal savings micro credit project operation of risk management,this paper analyzes the practice of Liaoning Branch of the postal savings micro credit project operation status and risk management,through the case analysis,from the height and the level of project risk management,small loan project risk management and the existent main problems and contradictions,and for Liaoning Branch of the postal savings micro credit project operation of risk management,and puts forward the improving microfinance project risk management the overall train of thought,in front of a small credit loan project,loan,credit risk management operation risk control and risk information construction put forward constructive measures and suggestions.