Small Arid Micro Financial Cost And Benefit Research Of Postal Savings Bank Of China

The number of small and micro businesses is huge, which are one of the mostimportant parts of the national economy, have made a great contribution to our nationaleconomy development. Since the "small micro financial" from2008formally put forward,the development process has gone through six years, small micro financial services from theinitial stage of exploration into the mode of optimization phase of ascension. Since2013,faced with the economic slowdown in the Small and micro businesses, operating pressure,promote greater risk situation, small micro financial services institutions to adhere to thebasic starting point service entity economy, continue to explore the road of sustainabledevelopment, professional.Postal savings bank since its establishment in2007, adhere to the"Three Nong" service, community service, the service of the small and medium-sizedenterprise market positioning, relying on the unique geographical advantages and thenetwork relations, brand effect, closely combined with the transformation of economicsociety development needs, active innovation credit variety and service mode, acted as thefirst Chinese inclusive financial builders, small micro credit the main provider of socialresponsibility, the important undertaker and realizing national strategic mission of the strongpromoter, out of a unique Inclusive Finance Mode of business sustainable development road.After six years of hard work, the reform and transformation of the postal savings bank hasmade gratifying achievements, but in the small micro financial aspect, still has the certainproblem.Present situation of financing of our country at first small micro enterprise financingpresent situation and commercial bank small micro finance business in this paper Analysis.Then through in a growth mode of the postal savings bank small micro financial services areintroduced, with detailed strategic choice and performance, the postal savings bank and thepostal savings bank to a series of scientific "law of large number" as the ideological essenceof the core concept, provides reference for the small micro business development of ourcommercial banks. On the basis of the above analysis, cost benefit analysis of deep level andthe author of the postal savings bank small business. Finally it is pointed out that the postalsavings bank small micro business development existing problems, but also from the overallexpansion of the scope of business, change the mode of credit mortgage loan pricing system, establish and perfect after-sales service ways and gives relevant suggestions.