The Analysis Of New Credit Village Construction About Postal Savings Bank

Lagging behind of the rural economy development has become an important issue which limit the overall development of Chinese economy since Li Changping proposed "Farmers really hard, really poor in rural areas, agriculture really dangerous" according the actual situation in rural Hubei. To this end,our government has introduced a series of measures in order to seek the "three rural" problem solving, and strengthen financial institutions support the rural economy is the key. To better "service urban and rural areas and support agriculture"and maintain a competitive advantage in the same industry, the Postal Savings Bank has started to create the new credit village gradually since 2010, Yilan and Wuchang lead in launching the pilot and achieved some results. However, the Postal Savings Credit village was from scratch after all, its pilot in the build process and business development aspects of the credit exposed some problems. In this paper, aspects of the Postal Savings Bank village of new credit to be considered in the construction process were analyzed on the basic of the problems above, and ultimately get more perfect credit village build process. It not only has a certain practical significance for the promotion of the Postal Savings Bank village of credit,but also enriched the theory of the rural financial sector.In the case part, the paper first reviews the background of the Postal Savings Bank building in the new credit village, and then briefly describes the construction of Yilan branch of the pilot, and finally summarizes the develop processes of the Yilan pilot building and carrying out its loan business.In the case study section, the paper first analyzes the whole idea that can be copied to create a new credit village,including the evaluation of the pilot for Yilan,and thus leads to practical feedback problems. Secondly,this paper utilizes stakeholder theory and learn Yunus mode from the three levels to analyze and improve the important part in the Postal Savings new Credit Village building process: the selection of information transfer mode, the establishment of a credit system and analysis of the potential risks. And the last two are obtained by comparing patterns with Yunus. Again, to perfect the existing problems in the Yian pilot through the above analysis, and propose general creation process that the new credit village can be replicated and elaborate its innovative risk control. Finally, putting forward some suggestions and providing direction for further improvement.