Research On The Development Strategy Of Tongliao Postal Savings Bank's Microfinance Business

The issue of "agriculture,rural areas and farmers" is related to the prosperity of the people,and it is related to whether the goal of building a well-off society in an all-round way can achieve the goal of two hundred years and the prosperity of the motherland.The 2016 No.1 Document of the Central Committee(Several Opinions on Implementing the New Concept of Development and Accelerating Agricultural Modernization to Achieve a Comprehensively Well-off Society)emphasizes: “Supporting China Postal Savings Bank to establish multiple financial service zones to improve the quality of agricultural services”.Under this situation,Tongliao Postal Savings Bank has established a sound financial support mechanism for poverty alleviation and accelerated the development of financial support for agriculture and financial poverty alleviation,especially to improve the quality of microfinance services and expand the scale of microfinance finance business.Comprehensively serve the "three rural".However,with the full liberalization of the microfinance market,market competition has become more and more fierce,and the resistance of Tongliao Postal Savings Bank's credit business development has increased.In this context,this paper carries out research on the development strategy of the micro-credit business of Tongliao Postal Savings Bank to promote the healthy and sustainable development of the micro-credit business of Tongliao Postal Savings Bank.Firstly,it reviews the research on microfinance at home and abroad,and elaborates on related concepts and theories such as microfinance,microfinance,rural finance and rural commercial finance.Then,the development status of the micro-credit business of Tongliao Postal Savings Bank was carried out,and the business development status of Tongliao Postal Savings Bank and the same regional financial industry was compared,which laid the foundation for the analysis of the internal and external factors of Tongliao Postal Savings Bank.PEST analysis of the microfinance business of Tongliao Postal Savings Bank was conducted to understand the environment of Tongliao Postal Savings Bank.On this basis,the SWOT analysis method is used to analyze the internal advantages and disadvantages,external opportunities and threats faced by Tongliao Postal Savings Bank's microfinance business development.Finally,according to the potential competition strategy of the Tongliao Postal Savings Bank microfinance business,it puts forward strategies and suggestions to promote the sustainable and healthy development of the microfinance business.