Study On The Countermeasures And Problems Of Credit Risk Management For Small Loans In Credit Villages Of D County Branch Of Postal Savings Bank

Since its establishment of the microcredit business,Post Savings Bank has always been actively developing the rural microcredit business with the purpose of serving the "three rural areas",vigorously supporting the construction of a new socialist countryside,and solidly promoting the development of local rural agriculture.The small loan business of the credit village is the embodiment of the Postal Savings Bank’s initiative to sink into the service of "three rural areas",so that credit users with loan needs can solve the problem of capital demand without leaving the village,and can promote the flow of credit resources to the county economy in various areas.The construction of credit villages optimizes the rural financial ecological environment,promotes the development of inclusive finance in rural areas,and is an important starting point for rural revitalization.The D County Branch of Postal Savings Bank has made breakthroughs in the microloan business of Credit Village,however,in recent years,the overdue rate of microloans in Credit Village has increased year by year,and the credit risk management of small loans in Credit Village cannot be ignored.Therefore,it is necessary to study the credit risk management of credit village microloans of the D county branch of the Postal Savings Bank.This paper takes the microloan of the credit village of the D county branch of the Postal Savings Bank as the research object,analyzes the problems in the risk management of the credit village of the D county branch of the Postal Savings Bank as the research ideas,analyzes the problems and solves the problems,and puts forward reasonable countermeasures and suggestions.Firstly,the relevant concepts of microcredit and credit risk management in credit villages are summarized,and the relevant theories of credit risk management of microloans are elaborated.Secondly,the credit risk management system of the credit village microloan of the D county branch of the Postal Savings Bank was analyzed according to the business process,organizational structure,credit village evaluation,and credit user rating of the credit village microloan of the D county branch of the Postal Savings Bank.In addition,more than 300 credit users in the credit village of the D county branch of the Postal Savings Bank were surveyed,and interviews were held within the bank to understand the relevant situation of the credit village before,during and after the loan.Based on the analysis of the current situation of credit risk management,questionnaire survey and interview results of the D county branch of the Postal Savings Bank,it is found that the main problems in the credit risk management of the D county branch of the Postal Savings Bank are that the credit village creation mechanism is not perfect,the credit risk identification level is not high,the credit risk resolution means are not comprehensive,the credit risk management internal control system is not perfect,and the credit risk management cultural atmosphere has not been formed,and the causes of the problems are briefly analyzed.Finally,the optimal countermeasures are proposed,that is,paying attention to the establishment and management of credit villages,improving the level of credit risk identification,improving credit risk resolution methods,improving and perfecting the internal control system,and effectively building a credit risk cultural atmosphere.Through the research on the credit risk management of small loans in the credit village of the D county branch of the Postal Savings Bank,the first is to put forward countermeasures to solve the problems existing in the credit risk management of the small loans in the credit village of the D county branch of the Postal Savings Bank,reduce the credit risk of the credit village of the D county branch of the Postal Savings Bank,and enhance the ability of credit credit risk management;The second is to provide reference for improving the credit risk management system of credit village microloans of the D county branch of Postal Savings Bank,enrich the credit risk disposal methods of small loans in credit villages,and at the same time,provide reference for other financial institutions to carry out credit village microloan business.