The Analysis Of Microcredit On A Branch Of Postal Savings Bank Of China

Postal saving’s Microcredit business is the loan products of postal savings bank of China for farmers and merchants(small business owners). Farmers microcredit is pointing to the farmers who will meet its agricultural planting and breeding or the production and business operations. Merchants microcredit is pointing in the direction of the urban and rural areas is engaged in the production and trade departments of private business owners, individual businesses and towns granted by the self-employed and small business owners to meet the demand of the production and business operations.Rural problems is always the strategic problem of our national development strategy. The focus of the postal savings bank service object is also in view of the countryside. Postal savings institutions, through its network advantages and application of active capital throughout the urban and rural, to support the development of national economy, and play an important role in convenient life. Especially in rural areas, the postal savings institutions has become an important part of rural financial service system.This article have a deep research about the microcredit business of postal savings bank of China. Analysed the advantages and disadvantages in the process of its loan business, and puts forward relevant countermeasures and Suggestions, and provide guidance for its development, improve the competitiveness and provide better financial services for the broad masses of rural areas. On the other hand,this will have a reference significance to other regions.This article consists of four parts: The introduction part introduces the selected topic’s background and significance, summarized the main content of this research, and illustrates the research methods and related theories. The second part made a basic introduction on microcredit business, Including the present situation and operation process. The third part is to evaluate the effect of its operation and illustrate its existing problems at the same time.The last put forward some feasible Suggestions about the microcredit business.