Research On The Management Optimization Of Small And Micro Business Credit Business Of XX Branch Of Postal Savings Bank

Since the 18th National Congress,small and micro enterprisesare making theimportant role in the real economy.Small and micro enterprises have become a key component of China's economic development,and they are the backbone of promoting China's steady economic development and social harmony and prosperity.However,many small and micro business still have problems with bank loans.Most commercial banks require companies provide pledged collateral.These are the lack of small and micro enterprises;in addition,the inherent instability in the development of small and micro enterprises,leadingthebanks difficult to control the risk.As a result,commercial banks are deterredtoloan.the Postal Savings Bank of the People's Republic of China took the lead nationwide in 2006 to launch a micro-lending business for small and micro enterprises.In 2007,Dongguan Branch was established.After nearly 10 years of development,the Dongguan Branch of the Postal Savings Bank has made great strides in the development of small and micro loans for small and micro enterprises.However,the small and micro business credit business has brought about markets.Credit,operational,legal and moral risks are gradually emerging.The purpose of this paper is to analyze the development of small and micro credit business of the Dongguan Branch of the Postal Savings Bank and to provide practical advice on the optimization of the management of credit business for small and micro enterprises of commercial banks.This article is divided into five parts.The first two parts mainly summarize the credit business of small and micro enterprises from the background significance of the topic selection and relevant theoretical explanations.The third part is from the development background and business development status of the Postal Bank of Dongguan Branch.The three aspects of business asset quality were introduced.Through an in-depth analysis of the small and micro credit products of the Dongguan Branch of the Postal Savings Bank,it was found that there are several problems in the process of developing small and micro credit business,and the design of small and micro products is unreasonable;the credit management system It is not perfect and standardized;the overall quality and professional level of practitioners are insufficient;lack of awareness of credit risk control management and lack of effective reward and punishment mechanisms.In response to the above issues,the article proposes suggestions for promoting the development of small and micro credits in the Dongguan Branch of the Postal Savings Bank,including improving products to meet the market;improving the internal control structure;strengthening employee training;constructing a risk warning mechanism;...