Research On The Development Of Small And Micro Credit Business Of Postal Savings Bank Hangzhou Branch Under The Background Of Internet

The rapid development of Internet finance has brought great impact on the development of traditional commercial bank business in China,but it also brings development opportunities to commercial ban-ks,which is conducive to breaking through the development bottleneck of commercial banks,bringing convenient and fast financial service modes with Internet related big data,cloud computing,etc.and promoting the implementation of Internet financial reform in commercial banks,especially in the small scale In terms of micro credit business,the Internet has greatly reduced the cost of small and micro credit business of commercial banks,and also increased the ability to resist risks.This paper takes Hangzhou branch of postal savings bank as the research object,and studies the related issues of its small and micro credit business under the internet background,On the basis of literature research,we use the method of questionnaire to obtain data,find problems and solve problems,mainly including the following contents.First of all,this paper has carried on the theoretical research,combed the domestic and foreign literature about small and micro credit,and briefly introduced the related concepts of small and micro credit.Secondly,this paper introduces the current situation of Hangzhou branch's small and micro credit,and grasps the actual situation of Hangzhou branch's online credit business through questionnaire survey and field investigation.Then based on the questionnaire,this paper analyzes the problems and reasons of online small and micro credit in Hangzhou branch.Finally,based on the analysis of the current situation and problems,the development strategy of online small and micro credit business of Hangzhou branch is proposed.Through the research of this paper,Put forward the development strategy of online small and micro credit business of Hangzhou branch of postal savings bank,it can provide guidance for Hangzhou branch to carry out Internet small and micro credit business,and also provide some reference for China's commercial banks and Internet finance.