The Development Stratage Of Microcredit Business Of Pastal Savings Bank Of Shuangcheng

Microfinance operations is becoming a hot issue discussed the current economic development, how to carry out healthy, stable and sustainable business is the pressing issues in front of Shuangcheng postal savings bank related personnel.Shuangcheng postal savings bank microfinance business after more than six years of rapid development, banking efficiency improving. But with the increase of issuing loans, overdue and defective rate also rose, growth stagnation or even decline, Shuangcheng postal savings bank business have a bottle-neck in the development of microfinance. How to integrate the existing resources advantages,the development innovation projects have staying power, break through the bottleneck, to provide financing support for regional economic development,become a new subject of Shuangcheng postal savings bank.Reference to post office bank business yearbook in Heilongjiang province and the data of Postal Savings Bank of Shuangcheng microfinance business, in the process of reviewing the related literature summary, and on the basis of existing achievements, Postal Savings Bank of Shuangcheng microfinance business development of the external environment and so on carries on the thorough analysis and research.Provide ideas for the sustainable development of micro credit business of Shuangcheng postal savings bank.In this paper, aiming at the practical problems existing in the process of carrying out the advantages and restrict the sustainable development of the actual case to explain, and then pointed out that the specific strategies to promote the Shuangcheng postal savings bank microfinance business sustainable development: only from the practical problems of suit the remedy to the case, in order to effectively promote the development of rural economy, and to solve various difficulties of microfinance.The Shuangcheng Postal Savings Bank of the overall situation, should adopt active marketing strategy, adjust the product for the customer, business process norms of science, to further improve the risk control, improve the level of management of small loans, improve the overall quality of staff and service levels, improve employee incentive mechanisms. Thisin the process, the bank must make the information transparency, the government should strengthen policy supervision, farmers or enterprises Industry should actively cooperate in order to ensure the smooth progress of the business, to promote the rapid development of the local economy.