Research On The Development Strategy Of Commercial Loans In City A Branch Of Postal Savings Bank Of China

At the beginning of reform and opening up,our country began to vigorously develop self-employed household loan products,but after 30 years,the postal bank's personal business household loan products have not been effectively developed,because our country's financial system can not meet the needs of individual industrial and commercial households or small business owners,The relevant financial institutions have not been effective.In 2011,the head office of China Post and Reserve Bank began to officially launch business loan products,and successively carried out pilot work in various provinces and outlets,which proved that the pilot had achieved very good results.Under China's market economy development,China's commercial bank financing belongs to the high threshold of financing,in addition,because there are some information asymmetry problems,self-employed loan stake financing success is less,then individuals who want to achieve entrepreneurial success,business stability,etc.,through household loan products to finance is a better choice.The product is mainly aimed at self-employed households who do not have the conditions to obtain funds from commercial banks,and to a large extent also make up for the shortcomings of other commercial banks.In addition,business loans for China's free-to-the-non-governmental capital to establish a sunny,correct investment channels,active financial markets and for China's market economic development has contributed not a small amount of strength.Based on the research on the behavior of the Postal Saving Bank of China(PSBC)A City Branch,based on the relevant theories and research results on the field of commercial loans at home and abroad,combined with the characteristics of commercial loans in the A City Branch of the PSBC,this paper uses a combination of quantitative and qualitative methods to analyze the current situation of business development,business process and risk management of household commercial loans.It is found that the household commercial loans of the A City Branch of the PSBC have problems in the development of household commercial loans,the processing process of household commercial loans and the risk management of household commercial loans,and analyze the causes of the problems.Finally,according to the actual situation of the A City Branch of the PSBC,the problems of backward development of household commercial loans,cumbersome household commercial loans' process and backward development of household commercial loans' risk management respectively put forward the expansion and development of household commercial loans,and further optimize the household commercial loans products.Strengthen recommendations for household commercial loans risk management.In the household commercial loans products to expand the development strategy of four suggestions,one is to suggest that the A City Branch of PSBC to increase the training of talent,improve the reward and punishment mechanism.Second,it is suggested that A City Branch of PSBC to innovate and develop in keeping up with the pace of the times.Third,it is suggested that the household commercial loans products of the A City Branch of the PSBC should be securitized.Fourth,it is suggested that the A City Branch of the PSBC should choose a good marketing strategy and develop its business effectively.In further optimizing the business process of household commercial loans products,three suggestions are put forward,one is to suggest that the A City Branch of the PSBC to establish and improve the personal credit system and system.The second is to suggest that the A City Branch of the PSBC improve the method of personal credit assessment.Third,it is suggested that the A City Branch of the PSBC should increase its investment in science and technology.In strengthening the risk management of business loans,three suggestions are put forward,one is to suggest that the A City Branch of the PSBC to improve internal control degree,strengthen financial supervision.The second is to suggest that the A City Branch of the PSBC cultivate skilled employees to have a good view of risk management and a view of money.Third,it is suggested that the A City Branch of the PSBC should strengthen the internal control management and construction.