Development Strategy On Small Enterprises Loans By Postal Savings Bank Of Heilongjiang Province

After the reform and development, China's small enterprises have been rapidly developed, especially after the 1990s. In the small enterprises development process, they inevitably encounter financial problems, and needed support from various types of financial institutions. Heilongjiang Province Postal Savings Bank was established in December 27,2007, is China's Heilongjiang Province Postal Savings Bank branches. During the booming of small enterprises, it's very important to make the loans strategy to develop small enterprise business.This small business loans from domestic and foreign research status quo, introduced the current domestic and small business loans hotspot, and then through the development of the postal savings bank small business loans to analyze the situation, summed up the economic development of small businesses in the important role of Heilongjiang province also introduced the Postal Savings Bank news loans existing products. Through the development of small enterprises PEST analysis, summed up the development of small enterprises favorable conditions,under these conditions to determine support for small business loans is a very good choice.Finally, this paper presents the development of small enterprises in Heilongjiang Postal Savings Bank loan business need to make strategy, including changes in business strategy,increase market share, to ensure the safety of funds for small business loans to choose, the use of credit ratings improve processing efficiency, expand the collateral range, etc., through these policies, you can ensure that the Postal Savings Bank in Heilongjiang small business loans have a good income and effects.