Research On Risk Management Of Small Loan Project In Qijia Yillage,Kangping Branch,Postal Savings Bank

The development of rural microfinance has alleviated the financing difficulties in rural areas,which is of great significance to the development of rural economy in China.However,due to the poor lending ability of rural people with small loans,the household credit information system is uneven,and there is no unified standard for the assessment of credit degree,which leads to great uncertainty in rural small loan business,and commercial Banks operating related businesses need to improve risk prevention ability.By collecting and sorting out the data related to microcredit risk control in qijiacun,this paper studies the microcredit project of qijiacun of kangping branch of postal reserve bank,focusing on the microcredit problem of qia village of kangping branch of postal reserve bank.On the basis of exploring the development status of micro-loan,this paper studies the risk and its causes of micro-loan project in qijiacun and puts forward corresponding risk control strategies.Continuously improve the risk control and management level of the postal savings bank kangping branch.First of all,based on the theoretical and practical significance of the study,this paper introduces the general situation of the small loan project of kangping branch and qijiacun of postal savings bank,and judges the risk status of small loan project of qijiacun by analyzing the loan business data of qijiacun.Secondly,this paper analyzes the causes of the risk situation of the small loan project in qijiacun.First,no complete and unified credit investigation standard has been established in qijia village,which leads to the disordered credit system of the villagers who borrow from qijia village,and fails to grasp the loan history and credit status of the villagers.Secondly,the risk guarantee mechanism of small loans in qijiacun is absent.After natural disasters or market risks,the villagers have no complete measures to resist the risks and have low ability to prevent risks.As a result,the repayment ability of the villagers is reduced and the risks are caused to the bank loans.Finally,the internal management factors of kangping branch.Some staff in kangping branch could not correctly understand the latest loan policies of the national government,lacked the ability to judge the loan market information of qijiacun,as well as the ability to timely respond to problems in the work.National policies cannot be combined with local economic development strategies to form credit projects with local characteristics.There are also some credit staff who cannot accurately grasp market information and lack comprehensive judgment ability for real-time changing market conditions.There are a small number of loan officers of qijiacun micro-loan project who do not have sufficient understanding of the loan demand,and assess the loan demand too high or too low.Finally,in order to guarantee the credit risk of kangping branch and improve the risk prevention ability of qijiacun small loan,a series of risk prevention measures are proposed.One is to establish a unified credit investigation system for small loans.Only when a complete credit investigation system is established can credit check be carried out on loan villagers to understand their loan history,repayment ability and repayment willingness.Second,it is strictly required to standardize the operation process of the small loan project of kangping sub-branch,which should be systematically screened according to the list of high-quality customers provided by the two committees of qijia village,and find out the list of qia village's stock customers.In the application stage of small loan,the credit investigation was conducted for the villagers of qijia village,and the investigation report was formed according to the credit evaluation standards of farmers of kangping sub-branch.Third,risk prevention and control after the issuance of loans by kangping sub-branch;post-loan inspection and loan collection after the issuance of small loan project in qijiacun;corresponding punishment measures for the non-performing villagers whose loans are overdue.Finally,kangping branch established loan risk monitoring system and strengthened loan personnel management.The credit manager of kangping branch always pays attention to the borrower's credit status warning information.Fourthly,improve the credit risk identification system,refine the risk early warning detection content,improve the monitoring method of risk early warning,and optimize the credit structure of the small loan project of qijiacun.