Postal Savings Bank, The Microcredit Business Development Strategy Research

Small loans, also known as micro-financing, can be defined as a special kind of financial services or financial institutions, mainly those who have been excluded from the formal financial system than the smaller amount of customers in financial services. Small loans in recent years many countries in the world to solve the needs of micro-credit and poverty reduction adopted by the development of a common and effective approach. Postal savings bank is different from the general commercial banks, their market position is the individual-oriented retail financial services, with its natural comparative advantages, micro-credit operations of Postal Savings Bank to become the strategic business and product logo.The practice of microfinance in China as early as the 20th century in the mid-90s, but 10 years, the slow development of micro-credit sector, not on China's micro-credit and micro-credit products market impact. In December 2005 the postal savings institutions in Fujian, Hubei, Shaanxi small loans to the experimental work, marking the postal savings bank official involved in micro-lending operations.The paper first studies in the literature on the basis of the summary of the postal savings bank micro-credit operations research at home and abroad, and Postal Savings Bank of domestic micro-credit operations and status of the development process of analysis. Secondly, from an international comparative perspective to explore the benefit of China's Postal Savings Bank to carry out small loans from the experience of the business. Third, the use of SWOT analysis of China's Postal Savings Bank to carry out small loans business strengths, weaknesses, opportunities and challenges. Finally, the Postal Savings Bank for the future development of micro-credit business strategy, product, business analysis point of view and put forward some policy recommendations.