Research On Financial Services Innovation Of Postal Savings Bank Under The Background Of "Mass Entrepreneurship And Innovation"

Since Premier Li Keqiang puts forward "mass entrepreneurship and innovation in many fields" in 2014,small and micro enterprises have developed rapidly and have gradually become the new force in the social and economic development of our country.However,funding has often become a major obstacle to their development.Faced with the plight of these innovative start-ups,the Postal Savings Bank,based on its own situation and the deployment of financial services innovation strategy,strives to improve its overall competitiveness while serving “mass entrepreneurship and innovation” enterprises.Based on the "mass entrepreneurship and innovation" environment as the research background,in order to post office bank financial service innovation as the research object,the combination of theory and empirical,quantitative and qualitative,written with chart signal combining in-depth study.First of all,through theoretical elaboration and literature review to find the entry point of this study;secondly,on the basis of fully understanding the nature and requirements of "mass entrepreneurship and innovation",the paper analyzes the feasibility of financial service innovation of postal savings bank under the background of "mass entrepreneurship and innovation".Again,using the analytic hierarchy process(AHP)analysis under the background of the "mass entrepreneurship and innovation" post office bank financial service innovation,the importance of each affecting factor influencing factors is calculated by applying fuzzy comprehensive evaluation method and the comprehensive evaluation value;finally,according to the analysis results of influencing factors,the innovation paths of corresponding five aspects are proposed.Based on the above research,the main conclusions are as follows: first,the policy environment of the post office bank financial service innovation,the second is the "internal management",and,in turn,is "competition environment","staff factor","technology" and "customer factors";Second,only "competing environment" score of3.69 points,slant a bit in the medium level,followed by the rest of the five are in the middle and lower levels,suggesting that post office employees of the bank is not satisfied for the present stage of innovation factors most;Third,five innovations are proposed,including concept innovation,product innovation,organizational innovation,technological innovation and institutional innovation.The innovation of this paper mainly lies in :(1)to demonstrate the feasibility of financial service innovation of postal savings bank under the background of "mass entrepreneurship and innovation";(2)analyze the importance of factors influencing the financial service innovation of postal savings bank under the background of "mass entrepreneurship and innovation" and the problems of each influencing factor;(3)on the basis of theoretical deduction and empirical analysis,the paper proposes improvement measures for the financial service innovation of postal savings bank.