Research Of POSB's Tuscaloosa Area Branch's Development Issues

With high speed development of banking industry,countries pay more and more attention to it in vigorously support to village and the rural economic environment in the poor areas.Since the reform and opening up of bank credit support to rural economic,show that although periodic good results have been achieved,there are a lot of loopholes,post office bank country countryside oriented service to agriculture,rural areas and farmers as an important financial institutions,there are some problems in the specific work.These problems mainly includes the following several aspects: one is high cost;Second is Recover the risk problem,urgently need the customer's concept of the rule of law and credit;Third,personnel ability quality problems,most of the loan officer is poor ability,record of formal schooling is lower,professional is not strong,various situation of deep understanding of the product itself;Four service rural farmers product simplification,only farmers microcredit business type,can't well satisfy the needs of most of the rural farmers.So this is the discussion of the main problems,on how to resolve the contradictions put forward a little superficial suggestion.China now has 700 million farmers,have rural market potential,but since most of the rural areas is not rich,poverty exist all the time,so the banking financial institutions to credit model for loans to support the development of rural economy,it is very important that how to develop,support,are the main aspects in this paper.Based on postal savings bank'example,on the basis of STOW analysis,marketing,management,economics and other methods of post office bank tuscaloosa area branch current farmers microcredit business development situation in detail and comprehensive analysis,and according to the present development of rural economy in the actual existing problems,and put forward further improvement suggestion,and then draw lessons from advanced experience at home and abroad,put forward post office bank tuscaloosa area farmers microcredit business support into regional rural economic development measures,so as to determine its own development direction,looking for accurate market positioning,perfect the credit management system,in order to increase the income of farmers for the purpose,to participate in market competition;At the same time improve the system of farmer group from the microscopic view,Strongly support the regional agricultural industrialization leading enterprises and rural small micro enterprise development,continuous optimization and innovation of products,from the perspective of controlling their own risk,encourage farmers to deal with insurance,loan portfolio management should be strengthened is put forward,and finally share the benefit from the development of rural poverty.Strategy research of this paper for the post office bank tuscaloosa area farmers microcredit development research and provides a more useful reference,effectively improve and farmers small loans for other banking financial institutions to provide a certain reference value to the business development strategy.