Study On Risk Management Of Small And Micro Credit In Branch A Of Postal Savings Bank

At present,under the background of insufficient external economic growth momentum and internal economic and industrial structural adjustments,my country’s economy is undergoing a transformation from high-speed growth to high-quality growth.shock.Especially since the outbreak of the new crown epidemic in 2020,the epidemic has had a certain impact on the overall economy and society.From an international perspective,the subprime mortgage crisis that occurred in 2008 exposed the fragility of the financial system itself.Today,the haze of the subprime mortgage crisis has not completely dissipated.In recent years,my country has continuously increased its economic opening to the outside world,among which financial opening is an important field and means.On the one hand,two-way financial opening can attract international capital inflows and improve the vitality of my country’s financial market;on the other hand,as the economy and financial market continue to increase,the spillover effect and contagion of international financial risks in the domestic financial market will continue to increase.Financial risks are characterized by complexity and variability,especially for small and micro enterprises that are the main body of the financial market.Small and micro enterprises themselves have poor anti-risk capabilities,and under such circumstances,the problems they face in their business development are particularly prominent.Commercial banks should assume the social responsibility of financially supporting the development of small and micro enterprises,but at the same time,they also require banks to have higher risk management capabilities,so as to achieve high-quality development while serving the development of small and micro enterprises.This article takes Branch A of Postal Savings Bank of China as the research object,using the method of literature analysis and analysis and induction.The article analyzes the development of small and micro credit in branch A and the current situation of small and micro credit risks,and introduces the specific process and operation methods of small and micro credit in branch A according to the main processes of pre-loan investigation,loan review,and post-loan management.From an institutional point of view,although Branch A has established a mechanism for the separation of loans from the front,middle and back offices,it still needs to be further improved in terms of pre-loan investigation,loan review,and post-loan management.Specific problems include: pre-loan investigations are not in place,Insufficient risk identification during lending,ineffective post-loan risk control,systems and processes to be optimized,and lack of awareness of personnel risk management.The analysis found that in the pre-loan investigation process,Branch A had problems such as information asymmetry between banks and enterprises,and the concentration of loan industries and guarantees;in the loan review process,there were problems such as insufficient risk identification methods and insufficient risk foresight;In the post-loan management process,there are problems such as heavy loans and light management,and single post-loan risk management methods.Based on the research and analysis of the above specific issues,combined with the actual development of small and micro credit business,corresponding countermeasures and suggestions are put forward for various issues.The optimization strategy mainly covers three aspects: pre-loan investigation,loan review and post-loan management,specifically including improving pre-loan risk identification capabilities,strengthening loan approval and risk control,and optimizing credit risk management processes.