Research On Rural Micro-credit Of Postal Saving Bank HN Branch

Promoting the economic development of rural areas and reducing poverty has been one of the main tasks of China's economic development,and the development of rural economy cannot be separated from the support of funds.However,due to the instability of agricultural production and operation,the imperfect rural financial system and other factors,the development of rural micro-credit at this stage cannot keep up with the pace of rural economic development,and cannot fully meet the financial needs of the market.Therefore,the problem of loan difficulty is still an important factor affecting the increase of farmers ‘income and hindering the development of rural economy.HN province,as a large agricultural province,has a vast County area.At present,there is still a big gap in micro-credit in rural areas of the province.If the level of rural micro-credit development can be effectively improved,it will be directly conducive to driving the rural economic development of HN province.Postal Saving Bank HN Branch,as one of the main financial institutions in rural areas of the province,aims at small customers such as urban and rural customers,small and medium-sized enterprises,and is based on inclusive financial services.To a certain extent,it alleviates the shortage of funds for production and operation of rural financial markets in the region by providing micro-loan funds.However,some problems affecting the further development of rural micro-credit have gradually emerged at the same time,so how to improve the quality of rural micro-credit has become an urgent problem to be solved.This paper mainly studies the current situation of the development of rural micro-credit of HN Branch,and analyses the organizational structure,product design,business management,etc.At the same time,through a questionnaire survey of rural customers in the area under the jurisdiction of A Sub-branch to collect relevant data,and finally combined with the current situation of similar business of other financial institutions,the paper summarizes the problems of business development: first,the advantages of rural micro-credit products are not strong;second,the branch does notattach enough importance to business development and propaganda is not in place;third,frequent violations in business management;fourth,the lack of high-level operation.Management marketing team;Fifth,the existing credit rating system is not perfect and other issues,and then analyzed the constraints of rural financial market development lag,related policies are not in place.In view of the problems and causes of the development of the rural micro-credit of Postal Saving Bank HN Branch,combined with the relevant theoretical literature and the development experience of domestic interbank institutions,the countermeasures and suggestions for optimizing the quality of business are put forward,including two aspects: improving internal management and seeking external cooperation and support.Specifically,there are the following points: first,optimize the product to enhance competitiveness;second,bank and mail cooperate to strengthen cooperation;third,implement the "Internet +" low-cost development strategy;forth,improve the credit risk management system;fifth,strengthen the personnel training mechanism;sixth,set up a high-quality financial brand image,and finally seek the risk sharing cooperation in rural credit business and government policy guidance and support.Through this study,not only put forward practical suggestions for HN Branch to optimize its own business quality,but also provide some feasible reference for the development of rural micro-credit business of other branches and other banks in the province.