Research On Postal Savings Bank Of China Microfinance Business Development

With the industrial structure adjustment, China's financial and credit demand structure of the great changes have taken place, the traditional peasant economy in microfinance requirements gradually decrease. The high-tech industry in microfinance requirements gradually increase. The traditional micro-credit institutions can not fully meet its funding needs. Since the establishment of Postal Savings Bank of china, its market position is community bank and based on the provision of microfinance for rural financial services. Postal Savings Bank of china, a wide range of Network throughout the urban and rural areas, broad market space for development, capital, brand reputation and other advantages, its actively develop the rural deposits, micro-lending operations and some intermediary business in rural areas. Provides a good financial support to the country's overall economic.With the development of postal savings bank of china, the postal savings micro-credit business in the majority of farmers have been gradually recognized, the choice of postal savings micro-credit have slowly become a habit, a huge potential market,the advantage is unmatched. But at the same time, we should also be aware of the complicated situation, which is both a risk and a challenge of postal savings bank of china, so the postal savings bank of china must face up to their own shortcomings, absorb the advanced experience, considering the external environment, and work out a postal savings bank of china's own micro-credit model. One key is innovation and a business type, the other is strengthen the risk management, and adopts modern corporate governance structure. Only in this way, we can improve the postal savings bank of china's market competitiveness, ensure the safety of agricultural funds, the micro-economies needs are met and benefits are protected. Postal savings bank of china should be adhere to the needs of rural micro-credit as a starting point, the micro-credit business should actively participate in rural infrastructure and agricultural development areas as well, play an important role in urban and rural residents and national economic development, At the same time to achieve their own development...