The Development Strategy Study Of Postal Savings Bank About Microcredit

With the development of more than twenty years, microcredit has becomeworldwide. It claims that microcredit has played an important role in the nationaleconomy in every country, and results in a marvelous effort. China is being in aprocess of economic and social transition, and the problems of financing difficulty inmicro enterprises and rural areas still remain to be unsettled. As a way to remit thesituations and even solve it, microcredit is also difficult to develop. However, withthe growing demand of credit, most business banks didn’t dare to set foot in such aneconomy and business environment. Therefore, the study on this problem provides aprofound significance in the development of micro enterprises as well as the solutionof financing difficulty.Based on the related theories of microcredit, the thesis analyzes thedevelopment, management, and problems of microcredit of PSBC. Combined withthe experience of microcredit in the foreign banks, the author discusses the shortagesin the development, management, and revolution of microcredit of PSBC, and thus,puts forward the specific precautionary measures. What’s more, there are six parts inthis thesis. The first one is the introduction. Chapter two is to state the relevanttheories of microcredit. The third chapter analyzes the development of microcredit inPSBC. Chapter four is about the experience of microcredit in the foreign banks. Inchapter five, according to the problems existing, the author puts forward thestrategies of improving the microcredit in PSBC. The last chapter is the sum and theprospect.Founded in March2008, Postal Savings Bank of China (PSBC for short) tookthe Service of Agriculture as its market target, and undertook microcreditcomprehensively, which became the strategic business and iconic products of PSBC.Through six-year effort from the opening ceremony, PSBC Yong Xiu branch haswitnessed the whole progress of growing out from nothing to a large force. In thistime, due to some reasons like a lack of experience, unreasonable organizationstructure, low risk management ability and the ambiguity developing direction, the stagnation of microcredit shows up, which resulted in one-year suspension. However,after cleaning up the large-scale loans, the microcredit business recovered. Aiming atthe problems appearing in the microcredit business of PSBC, the thesis puts forwardsome measures on improving the organizational structure, strengthening the riskmanagement and control of microcredit business and increasing the innovation ofmicrocredit products, hoping that these strategies can make PSBC Yong Xiu branchbe in the high-quality, stable and continuable development way.