A Study On The Small Loan Business Of The Postal Savings Bank Of Shenyang L Branch

In recent years, China's economy in the continuous high-speed development,the state and the government has continuously increased the importance of rural economic development, the living standards of China's rural population has been significantly improved, the scale of rural economy has made significant progress. At the same time,the public and the state government on the overall rural financial development environment put forward more and more high-level requirements. And the development of rural economy can not leave the support of funds, China Postal Savings Bank outlets throughout the urban and rural areas,shoulder the responsibility of serving the three rural areas, in such a large environment, strive for continuous development, innovation and small loans to meet the growing rural Of the trend of capital demand unstoppable, which is the postal savings banks continue to innovate the development of the only way.China Post Savings Bank Since the start of the rural microfinance business, the number of rural customers and the amornt of funds provided to the vast rural areas have been steadily increasing. But compared with other state-owned banks and rural credit cooperatives, the relatively late start, product adaptability and rationality there is a certain room for improvement in the business management is also a lack of professional microfinance management experience.The microfinance business is one of the important measures of the "three rural services" activities of the postal savings bank. On the one hand, the small-scale loan business of farmers has met the willingness of the small and medium-sized farmers and the low-income people in line with the financial needs of the rural economic market. At the same time, the financial products have been innovated and the postal savings The rapid development of the bank has brought new opportunities, the strategic significance is very far-reaching; the other hand, the opening of small household loans business to broaden the financing channels for rural residents, greatly increasing the financing of farmers, which makes the increasingly serious rural financing Contradictions can be effectively resolved,but also has a very important political significance,L District is a national demonstration area of modern agriculture, located in the central province of Liaoning Province, only 53 kilometers away from the provincial capital of Shenyang, covers an area of 1460 square kilometers, the total population of 470000 people. The region a total of 15 towns, 2 streets, 184 administrative villages.Arable land area of 130 mu, rich in rice, corn. Grain annual output of 500,000 tons,annual output of 200,000 tons of fruits and vegetables, freshwater fish farming surface 8 million mu, beef cattle breeding 120,000 head. Local governments around the "crucian carp", "cattle" two major geographical indications leading industries,and actively build two base construction. Formed a combination of agriculture and aquaculture industry, the sustainable development of the industrial pattern.In order to better support the local rural economy in the L area, in response to the requirements of the state service to agriculture, the Bank of China, Shenyang Branch,launched a small loan business. Over the years, it has effectively supported the local farmers in the L area, Production development. In order to better study the development status of L sub-branch microfinance business, this research report understands the specific situation of the issuance of small loans by way of conducting field investigation on the business of the sub-branch. At the same time, the questionnaire was distributed to 225 farmers who went to the bank for microfinance business. The questionnaire included the basic natural information of the farmers, the demand characteristics for the small loans and the satisfaction of the L loans. Through the compilation and summarization of the two parts of the research data, the paper draws lessons from the relevant literature and the innovative ideas of the rapid development of other microfinance business, discusses the current problems of the small loan business of L branch, and puts forward the existing problems To solve the countermeasures,so as to promote the L sub-line farmers to continue to move forward business loans.The structure of this research report is as follows:The first part is the introduction. This paper introduces the research background and significance of this research report, summarizes the research contents and methods of the research report, and points out the innovation and shortcomings of this research report.The second part is mainly from the summary of the L branch of Shenyang Bank, the industrial characteristics of the L area and the six types of microfinance business in the sub-branch, and summarizes the small loan business of the L-branch of Shenyang.The third part details the process of research and development. The main steps of the survey include the design and content of the questionnaire, the issuance and withdrawal of the questionnaire, and the analysis of the collected information from the customer's basic situation, loan information and customer satisfaction. Through the analysis found that the existing business problems.The fourth part is mainly to analyze the results. This part expounds the advantages of the postal savings bank Shenyang L branch small loan business, and analyzes the problems and causes of the microfinance business.The fifth part puts forward the perfect countermeasure for the existence of micro loan business.