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The Haicheng City Postal Savings Bank of Small Farmer Loan Risk Management Research

Author: HouCe
Tutor: ZuoLiangQun
School: Harbin University of Science and Technology
Course: Business Administration
Keywords: HC bank small farmer loan risk recognition risk evaluation riskprotection
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 15
Quote: 0
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As the ceaseless development of reforming and opening, our country economywith an average annual growth rate of around10%speed of rapid development, thebroad masses of people ’s material life level has been improved significantly, to fullyenjoy the fruits of reform and opening. But we should see the current gap betweenthe rich and the poor of our country expands gradually, impoverished population stillhas quite large proportion, the country puts forward the requirement of building aharmonious society from a distance. In the process of solving this problem, the postalsavings bank of small farmer loan ’s role can not be ignored. Postal Savings Bank ofsmall farmer loan has become more and more people are familiar with, in the processthat help deficient up significance also is shown gradually, in order to betterunderstand the postal savings bank of small farmer loan, promote the farmer takes offdeficient to become rich in the place in the process to obtain bigger effect, this articleattempts from the HC Postal Savings Bank of small farmer loan development and therisk of the research and study, in the domestic city postal savings bank of smallfarmer loan risk analysis and risk evaluation based on Haicheng City, put forward tosolve the postal savings bank of small farmer loan risk prevention and correspondingmeasures.This paper is based on the HC small farmer loan as the object of study, first ofall from the microfinance risk research theory, to the domestic and foreign loan riskresearch results and ideas are summarized, analysis, summed up the small farmerloan risk study on microfinance sustainable, healthy development and supportinglocal economic development and significance. Secondly elaborated HC small farmerloan development overall situation and risk status and cause of formation, from theborrower business ability, social credit environment, competition among banks, legalsystem, asymmetric information, risk prevention mechanism, operational risk, moralrisk, guarantee risk from nine aspects such as a detailed analysis of the HC smallfarmer loan risk to form the external, internal cause, and on how to identify the risk of a detailed analysis and elaboration, through to the HC postal savings bank loanssmall farmers are facing the external factors, internal factors and natural factorscaused risks, constructed from two level15indexes of small farmer loan riskevaluation index system, fuzzy comprehensive evaluation method to the selection ofHC small farmer loan risk evaluation for HC, postal savings bank of small farmerloan risk control puts forward the countermeasure and enlightenment. Then HC forPostal Savings Bank of small farmer loan risks, identification analysis and evaluation,put forward to establish the risk compensation mechanism, a sound internal riskcontrol mechanism, the establishment of business training mechanism, perfect thesmall farmer loan credit system, optimize the credit rating system, strengthen thesmall farmer loan operation of credit risk monitoring twelve risk preventionmeasures. For the future of HC Postal Savings Bank of small farmer loan riskprevention and control provides a theoretical basis for HC, postal savings bank loanssmall farmers health, sustainable development and pave the way for.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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