The Research On The Development Of Small And Micro Enterprise Loan Transaction Of Postal Savings Bank Of China

The large number of small and micro enterprises in our country, is an importantpart of national economy, and their enterprise development fund aggregate demand isbig. Affected by the2008financial crisis, enterprises need transition, and have thenew demand of money. But because of its development characteristics, financingchannels are limited, and capital availability is low. Small and micro enterprise fundis serious shortage. For Banks, as competition intensifying, the bank gradually falls indisadvantage in large enterprise financing channels, and very need to seek newbusiness growth point. The macroeconomic policy support for small and microenterprise makes the Banks saw the new business. The success of CMBC plays anexemplary role. Loan transaction of small and micro enterprise develops rapidly.Analyzing the development of small and micro enterprise loan of the Postal SavingsBank of China, will be help to promote the development of the Bank at the same time,promote the improvement of financial structure, and also can solve small and microenterprise financing difficulty to some extent, promote the development of small andmicro enterprises, thus promote the adjustment of industrial structure.On the basis of predecessors’ research, this paper first analyzes the currentsituation of the development of small and micro enterprise loans, and finds that since2009, small and micro enterprise loan business scale constantly expanding, andgradually having the characteristics of mass approval, diversified marketing, andindustrial chain financial. Postal Savings Bank of China makes the small and microenterprise loan as a strategic business. By setting up specializing in organization,implementing diversity management, innovating guarantee form, attachingimportance to risk management, and actively for building platform, the businessdevelops fast. But there is also many problems, such as product design innovationinsufficient, loan transaction development disorder, the cost too high, themanagement efficiency needing to improve, needing to strengthen risk control andsupporting system imperfect and so on. On this basis, this article from barriers toentry, market structure and market competition, to analyze the factors affecting in thedevelopment of the business. By drawing revelation from Wells Fargo, StandardChartered Bank, MINSHGN BANK and ICBC experience in small and microenterprise loans, the paper puts forward the policy Suggestions on five aspects to promoting the business development of Postal Savings Bank of China. Firstly,carrying on the market orientation to determine the service group, mode ofdevelopment and planning. Secondly, through product innovation and diversemarketing facilitate business expansion. Thirdly, by optimizing the approval process,setting up a professional team, strengthening the incentive constraint mechanism, toimprove operational efficiency. Fourthly, strengthening risk control, especiallypaying attention to the institutions and the risk before loan, in the process of loan andpost-loan. Finally, promote the improvement of the supporting system.