Dy The Postal Savings Bank Small Loans Business Development Strategy

In2007,the China Postal Savings Bank was established as a gradual transition to modern state-owned commercial banks, commercial banks, to the increasingly fierce competition in the industry a firm footing, so as to realize ustainable development,its market positioning is particularly important. Small loan business is the establishment of postal savings banks after the launch of the first business assets,can be said that the Postal Savings Bank’s strategic business and iconic products,"the strengthening of the socialist new countryside construction, effective in promoting small enterprise development to address the problem of financing, is extremely important.China Postal Savings Bank branches of DY opened since June2008since the small loan business for local economic development and reconstruction, especially in support of small enterprises and farmers the county made some contribution,but the recent business development and risk control encountered some difficulties and bottlenecks in the development, such as development has slowed down, the loan rate and the defect rate is expected to continue rising.In this paper, drawing on the basis of analysis of relevant literature,the course of development of postal savings banks,small loans to carry out the status and problems are described and analyzed,and from an international perspective,several small loans from abroad in a more business development sophisticated banking mode of operation,find out the postal savings bank DY some enlightenment. This paper focuses on the postal savings banks face DY macro environment, market environment, product strategy for comprehensive analysis and research, and through the SWOT analysis, the development of the postal savings bank DY small loans business strengths,weaknesses and opportunities facing and challenges of the research, the development strategy should be taken SO,that is full DY postal savings bank outlets,networks and other aspects of internal strengths,the use of state attaches great importance to the development of rural micro loans and other external opportunities,strategies,exceed and develop the rural market. In the specific development strategy,combined with the actual situation of DY from the business development strategy,risk control strategy,cost control strategies,non-performing loan collection strategies put forward specific proposals to promote the development of the postal savings bank DY business healthy and rapid development of small loans,and secondary branches of the national postal savings can microfinance banks contribute to the development business.