Research On The Development Of Micro Credit Business Of The Postal Savings Bank Of Yuanling County

After 20 years of development, microfinance has become a global a trend in the development of rural finance. This shows, microcredit in rural economic development throughout the world played a crucial role. At present, China is in agriculture and rural areas transformation period, small micro enterprises and rural financing difficult problem is still a problem to be solved, as the main measures to solve the problem of financing difficulties, the development of small loans also face major difficulties. With the development of economy, especially the rapid development of rural economy, shortage of funds has become one of the main factors that hinder agricultural modernization, facing the increasingly growth of the rural microfinance financial markets, most Banks in China are fear to tread, the post bank to have a solid foundation in the countryside brought unprecedented opportunities. Therefore, for the research of this problem to promote rural economic development, solve the \"SAN nong\" money shortage problem has important practical significance. In this paper, based on the small loan related theory, through the yuanling postal savings bank storage microfinance development present situation, problems and reasons were analyzed, and combining with microfinance development experience at home and abroad, put forward perfect microfinance yuanling postal savings bank business development of countermeasures and Suggestions. The article on the structure is divided into six chapters. The first chapter is about the research background, significance and review at home and abroad; The second chapter is about small loans related theoretical research; The third chapter is about microfinance yuanling postal savings bank business development present situation; The fourth chapter is about microfinance yuanling postal savings bank business development problems and cause analysis; The fifth chapter is about microfinance business development experience at home and abroad for reference; The sixth chapter is about the perfect microfinance yuanling postal savings bank business development of countermeasures and Suggestions.The postal savings bank of China was founded in March 2008, market positioning in the \"service to agriculture, rural areas and farmers\", and based on for rural microfinance services, in order to solve the \"SAN nong\" money shortage problem. Yuanling postal savings bank credit business development has experienced from scratch, the process of growing up. In the development of credit business, the cost of credit low profits, poor staff professional quality, imperfect system, problems such as weak risk management ability of the microfinance yuanling postal savings bank business development is slow, difficult to meet the funds required for the local agricultural production. Aiming at these problems, on the basis of the experience at home and abroad for reference, put forward from the established credit products in line with market demand, set up suitable loan interest rates, improving existing loan system and so on perfect microfinance yuanling postal savings bank business development.