Research On Risk Of Venture Capital Loan Project In Fushun Branch Of China Postal Saving Bank

The postal savings bank's start-up guarantee loan is a small amount of loans,including the reemployment of micro-discount loans and women's micro-discount loans,which are collectively referred to as start-up guarantee loans.In fushun city postal savings bank,these two loans carry out unified planning,unified management and common accounting,as the same loan project implementation.This article mainly discusses the fushun city post office bank business guarantee loan project operation process,risk characteristic and cause of risk analysis in detail,and then puts forward the entrepreneurial secured loan risk control measures and safeguard measures.This paper is divided into four chapters.Chapter 1 is the introduction part.The background and significance of the research,methods and contents of research,theoretical basis and literature review are described in detail.About enterprise guarantee loan project background mainly from national policy,the meeting and the post office bank small loans,the article briefly introduces the development course and lead to the importance of entrepreneurship secured loan project risk;Secondly,the research method and content,using literature retrieval,theory and practice,and case analysis method to analyze the entrepreneurial guarantee loan project;The theoretical basis and literature review mainly describe the theories and research achievements of microcredit in China in recent years.Chapter 2 introduces post office bank fushun branch business loan guarantees the main risk of the project,first introduce venture guarantee loan project launch,cooperation departments,as well as the project is operating condition;Secondly,the whole operation process of the venture guarantee loan project is described in detail,from how the customer applies to the finance how to pay interest and so on.Finally,it is the risk identification and risk measurement to analyze the risk factors of the current venture guarantee loan project,which will cause the occurrence of the risk events.Chapter 3 is the analysis of risk factors of the venture guarantee loan project,including internal and external reasons.The external reasons are mainly reflected in the following aspects: first,the government lacks professional technical guidance;The second is the lack of support for industry policy.The internal reason depends on the product design risk of the venture guarantee loan project,which is mainly reflected in the following aspects: first,the deviation of the interpretation of the policy by the credit account manager;Second,the project loan process is incomplete;Third,the project design of the venture guarantee loan is not complete;Fourth,the enterprise guarantee loan information management system is not sound.The external cause and internal cause jointly cause the risk of the venture guarantee loan project.How to solve the above risk problem effectively? In chapter 4,we introduce risk control measures and safeguard measures.The risk control measures include the following aspects: first,the improvement of the government's guarantee policy on the enterprise;Second,to increase the credit authorization post;Third,strengthen the risk control function of bank risk department;The fourth is to optimize the project flow of the venture guarantee loan;The fifth is to improve the design of the venture guarantee loan program;Sixth,improve the project information management system.The safeguard measures include the following aspects: first,to increase the pre-loan investigation;The second is to play the role of role control in the loan;Third,increase the post-loan inspection strength;Fourth,improve the project risk management process;Fifth,we will strengthen financial policies to support the risk control of entrepreneurial credit.Through the above aspects [here can be in detail some] risk control and safeguard measures,promote the healthy and stable development of the business guarantee loan program of fushun city postal savings bank.