Research On Microcredit Business’s Sustainable Development Of Postal Savings Bank Of A Branch

:Although microcredit has been produced into China for only more than20years, it has developed very rapidly. Nowadays, it has been on the expansion stage, a variety of financial and non-financial institutions are entering this field. Microcredit has played an irreplaceable role in solving the three rural issues and helping small business to grow.The microcredit business of Postal Savings Bank of A Branch has developed very fast since it was started in2008and has made a great contribution to the local economy. However, after several years’ high-speed development, it has met the bottleneck problems these2years. The pace of growth has slowed down and the quality of assets has seriously deteriorated. How to realize the continuity of financial services? The research on microcredit business’s sustainable development will have the important theoretical and practical significance.Based on the study of theories and field research of Postal Savings Bank of A Branch, this paper analyzed the internal and external development condition of microcredit business of A bank and analyzed the elements that influence the microcredit business’s sustainable development level from both macro and micro aspects. In order to more objectively and more clearly assess the sustainable development extent to which microcredit business of A Branch, this paper set up an index system, which includes5hierarchical level indicators and11basic indicators. The hierarchical level indicators are regional economic development level, profitability ratios, loan quality ratios, operating efficiency ratios, quality of personnel. According to the evaluation results, five pieces of strategies and suggestions have been proposed to help the sustainable development of microcredit business of A Branch, including innovating business development pattern, enhancing the adaptive capability of products, increasing the level of risk management, enriching the manner of interest rate pricing and improving the overall quality of loan officers.