The Development Strategy Study Of Postal Savings Bank About Microcreditcrocredit

Agriculture is the foundation of economy development, agriculture, rural issues and farmers problems related to the development of the country of the party and national undertaking, related to the social situation and the people interests. In recent years,countries pay increasingly attention to agriculture, the credit demand of the rural areas and farmers is also more and more. The Postal Savings Bank of China introduced the microfinance in 2007,then it constantly enhanced the level of financial services in order to provide better financial support for farmers.First,based on the study of microfinance of theoretical and practical significance, this context determined the research topic. The research idea, research content and research methods are determined after review of literatures at home and abroad. Second,elaborated the development status of microfinance in A branch of the Postal Savings Bank of China, through the SWOT analysis method, made analysis of the internal strengths,weaknesses, external opportunities and threats faced by the development of the microfinance, then pointed out the problems in the development of business. Third, we summarized and referenced the foreign experience of the development of microfinance.Finally, proposed strategy suggestions for how to promote the sustained and sound development of the microfinance business A branch of the Postal Savings Bank of China.This paper study showed that its main advantages are the many sites, well-funded,good brand and high customer loyalty.Relatively,its disadvantages mainly embodied in the poor management, lack of talent, rigid system and the simple product.The city branch faced the external opportunities, for example, the favorable policy of service to the agriculture, the growing demand and so on. Its extermal threats of its poor credit environment and the competition. At the same time, this paper elaborated several major problems existing in the process of the development of microfinance in the Postal Savings Bank of China of A Branch. The problems mainly focused on the management ability and methods, products, personnel quality, market selection, risk control, policy support and soon.The future development of microfinance in the Postal Savings Bank of China of A Branch should change from the following several aspects: 1.It should clear target market,strengthen the innovation of the products and services. 2.To establish the perfect organization system and improve the efficiency of management. 3. It should form a specialized team of the microfinance customer manager. 4. To improve the credit management ability and strengthen the risk prevention. 5. To establish good microfinance credit enviroment. 6. The government should strengthen the support.