The Postal Savings Bank Of China,A Branch Small Micro Enterprise Credit Business Development Research

Along with China's social and economic development,the adjustment of the supply side structure and the changes in domestic and international development circumstances,China's economic growth rate has slowed down.Structure adjustment and steady growth has become China's existence long-term issue.The central authorities have already adopted measures in many ways to support small and micro companies,agriculture,rural areas and peasants,shantytowns transformation and railway construction.Clearly,the future effect of small and micro companies will only strengthen the steady development of China's economy.Healthy development of small and micro companies will contribute to activate the market,to increase the employment opportunities,and to provide a wide range of social services.But it is undeniable that the current development of small and micro companies are facing no small difficulties,the most serious of which is the lack of financing resources.Due to the small degree of production diversification,smaller funds,less fixed assets and internal management problems,small and micro companies have had many difficulties in obtaining loans,which has in turn become the biggest bottleneck in their development.Plus,small and micro-companies credit system is not perfect,credit is not high,business is unstable,weak anti-risk capability development and other characteristics,banks generally are reluctant to provide financial support.In order to achieve healthy and sustainable development of small and micro business they must be provided easy financing environment and ample liquidity guarantee.This paper is divided into six chapters,adopt literature research,field survey,interviews and other research methods,the theory and method of Small and micro businesses related to the concept of the research,and the status and trends of the postal savings bank A branch Small and micro businesses credit business development as the starting point for the investigation,inquiry of the postal savings bank branch of small and micro A enterprise credit business in the development process of the existing loan business such as the total lack of growth is weak;incentive mechanism is not perfect,the management goal is not clear;credit products lagged,the lack of innovation;work flow system is not perfect,risk prevention measures and the lack of professional talents and other related problems,and analyzes the reason,proposed suits the development of credit business Chinese postal savings bank A branch Small and micro businesses strategy,a credit business needs to identify Small and micro businesses,determine the target market Two;innovation is Small and micro businesses credit products,increase the types of business;three is to optimize the process of credit management process reengineering Small and micro businesses;the four is to ensure the quality of bank credit funds,optimize risk control;the five is to perfect the risk management system,the implementation of different management;the six is the importance of bank credit business team building,consolidate the talent resources.Through the measures above,the bank in the development of Small and micro businesses credit business at the same time,strengthen the credit risk control,improve the profitability of banks,in order to enhance the market competitiveness of the postal savings bank A branch,this is the development of the times,but also the healthy development of the postal savings bank A branch in the meaning of the title.