Research On The Development Of Strategy Postal Saving Bank SDHT Branch Of Microfinance

Postal savings bank SDHT branch as the first pilot to run a small business loans, has experienced rapid growth from 2007 to 2013, the balance of loans overdue rate of slow growth and high development of the two major problems, as during the credit business of postal savings bank SDHT branch of the postal savings bank SDHT branch head, small business loans balance of slow growth and the rate of late two high in-depth research.This paper draws lessons from the domestic and international microfinance development theory and information asymmetry theory research results, according to the postal savings bank SDHT branch, SDHT branch of the postal savings bank of small loans to restrict business development bottleneck and risk control two aspects to explore the dilemma of how to crack, enrich and improve the research on the development of theory and information asymmetry theory of microfinance. Through the analysis of the postal savings bank SDHT branch business development data, the size of loans growth, the existing staff to support business development needs and business products to meet the needs of development is a major cause of the scale of the postal savings bank SDHT branch loan growth is slow; in the presence of risk control aspects of the problem is with the high rate of non-performing overdue rate, can not effectively identify customer demand for loans, credit risk concentration outbreak, customer financing risk of transmission to the SDHT branch.The use of PEST and SWOT analysis method, from the analysis of internal and external environment influence factors associated with the development of postal savings bank SDHT branch small loan. That the political, economic, social, technological and other factors influence the microfinance business development of postal savings bank SDHT branch in a certain extent, and the analysis of the postal savings bank SDHT branch small loan business development advantages, disadvantages, opportunities, challenges and other factors.In order to solve the problems in the development of small business loans, first to market segments, identify the market positioning, to further strengthen the market development in depth and breadth, and secondly to change ideas, to strengthen the team construction of small loans, and finally to improve existing products, to make it more fit the needs of customers. In order to solve the problems of risk control, one is to be checked from the source, strict customer access, increased debt overdue and write offs, change the current high rate of late; the two is to use the effective resources, eliminate information asymmetry from internal and external; the three is to identify and resolve the credit risk,avoid credit risk concentration; four is to seek a single credit management, strengthen the supervision to the customer. On the basis of empirical SDHT branch of the postal savings bank of small business loans, to further enrich the research on the theory and the theory ofinformation asymmetry of the development of the microfinance, points out the way to solve the small loan business development of postal savings bank SDHT branch in question.