The Internet Financial Background Of Postal Savings Bank Small Micro Credit Research

Along with the information technology innovation and financial development for the Internet created a good environment, the Internet banking has become to promote and support an important force in the development of the real economy in China, has received everybody to pay attention to. March 5, 2015 Premier Li Keqiang at the two session of the twelve National People's Congress on the government work report, the Internet banking will be written, the Internet will become China's economic and financial development of a huge potential financial innovation, and therefore, the banking industry to study how to develop effective support for small and micro enterprise development, the use of Internet based financial technology to serve the real economy has important significance.In this paper, we study the coupling of the new state-owned commercial bank of China Post Savings Bank in Internet banking and small micro credit, explore how to make use of the premise of risk control, the small and micro credit business to upgrade,update the service entity economy, promote their faster and better development. First,this paper describes the characteristics of the Internet banking, the development direction, and the impact of Internet banking on social life and banking. Secondly, the analysis because there is no and Internet integration business costs are too high, and small and micro credit is not flexible enough, the means of risk control is weak, the management did not implement the postal savings bank small micro credit business sustainable development difficult heavy. Third, through the analysis of Internet Banking under U.S. Internet banking development and enriching the people bank small micro credit characteristics, our country commercial bank small micro enterprise credit model innovation, for the postal savings bank to provide experience. Fourth, to explore in the Internet era, the postal savings bank small micro enterprise credit business development basic goal, train of thought, market positioning, through the Internet to create a financial ecosystem, explore the establishment of guarantee of the postalsavings bank small micro enterprise network of business credit, to small and micro enterprises to carry out a full monitoring, establish the risk early warning mechanism,improve risk management. Finally, the postal savings bank must be from the top-level design of Internet banking, operating system, team building and other aspects of, to build with requirements of the era of the Internet financial support system so as to realize the sound of small and micro credit business, high quality, orderly and coordinated development.This paper argues that facing the Internet Banking for small and micro credit,really annoy the postal savings bank is not technology, but the service entity's strategic thought and pragmatic spirit. As a new state-owned commercial banks, postal savings bank to develop a network of financial business, markets from passive to initiative as the products, services and user needs and experience together, realize the transformation and upgrading of the business architecture, the Internet technology, data thinking plays a role of innovation in the business, completely changed the traditional financial thinking.