Study On Micro-Credit Business Of PSBC Under New Environment

Resolving the the financing problem of SMEs is not only Benefit to themselves, but also benefit to the development of PSBC and our country, which help us to obtain a well-off society and a harmonious society more fast and better.Through the study on relevant literature review and the related theories of the financing problem of SMEs, the thesis found that some reasons of the financing problem and the micro-credit business may be a useful method to resolve the financing problem in our country. But the development of the micro-credit business is not good in our country after some years developed. And the two main reasons are that:First of all, the "hardware" aspect:the target group of micro-credit business wide and scattered and many of our current network of commercial banks is difficult to effectively cover; Secondly, the software aspect:micro-credit business does not match with the commercial banks of China’s traditional credit model currently.Although the establishment of PSBC resolved the financing problem in some extent. The micro-credit business also have obtained some success. But it is also has some shortages. And the more important thing is that the environment of finance in our country. So the most important question of the thesis is that what should PSBC do under new environment.In order to answer this question better, firstly,the thesis used SWOT and Five force model to analyses the environment of the development of micro-credit business of PSBC. After the above analysis, the thesis try to arise conclusion that the PSBC should choose the SO strategy to improve the current micro-credit business in order to suit for the new environment and make some improvement on rebuilding the process of micro-credit, establishment the credit system, building bid date platform, valuing human resource and enhancing innovation and R & D and so on.