Research On The Development Of Small Loans In A Branch Of Postal Savings Bank Of China Under The New Countryside-construction

In this paper,through summarizing post office bank city branch of the development of microcredit,expounds its development the importance of small loans to the local new countryside-construction,and from the local construction of new rural development demand and the contradiction between the small loan supply,reveal a city branch to support the new countryside-construction is analyzed with the problems that exist in the source.In view of the existing problems,and on the basis of the successful cases at home and abroad for reference,through literature research and experience summary method,investigation method,and combined with the author himself in the post office bank more than seven years of work experience,finally from strengthen the postal cooperation,deepen the internal reform,innovative products and services,the four directions,mail silver the relationship to the development of a city branch of microfinance services,new ideas for the new countryside-construction feasible Suggestions are given.In terms of creative achievements,one is to focus on the innovation of topic selection.Compared with the existing academic literature,the research Angle is more meaningful than the existing academic literature.The second is to discuss the innovation on the point of view.Small loans started after the innovation,the traditional small loans to failure,small loans,new products for how to break through the bottleneck,come back to life,how to control the risk for new type of small products,targeted marketing to the customer,through the research of this paper will mainly around these proposed several amendments to the existing human reform at the same time.The research results will not only promote the healthy development of small loans in a municipal branch of the Postal Savings Bank of China,but also benefit the local new countryside-construction and local economy,and achieve a win-win situation.This method will promote to make it applicable to the whole country,post office bank has always been adhering to the "pratt & finance,support in urban and rural areas" concept will be further deepened,continuous feedback field of "agriculture,rural areas and farmers",to support the new countryside-construction in our country has the vital significance.