Development Measures For Small And Micro Loan Of PSBC Xuzhou Branch Under The Background Of The Rural Revitalization Strategy

For a long time,the problems of financing for small businesses have become a confusion for private enterprises and commercial banks.In order to promote the inclusive financial system and support the development of the private economy,the government has continuously introduced encouraging policies and preferential measures,and proposed financial measures for commercial banks serving the requirements of the real economy.The implementation of the Rural Revitalization Strategy has released a new round of dividend signals and opened up the rural market.At the same time,the fierce competition environment in cities has prompted commercial banks to move to the rural market and tap the potential of small and micro enterprises.Although Postal Savings Bank of China has been based on "agriculture,countryside,and farmers" and "small business" services since its establishment,it has been constrained by internal and external factors during the development process,and its market share has been hovering in the middle and lower reaches of large state-owned commercial banks and joint-stock banks.This thesis mainly adopts literature research method,normative analysis method,questionnaire survey method and statistical analysis method.According to the current development status of small and micro loan of Xuzhou Branch,it sorts out the main problems existing in the development process and finds out the causes of the problems.Use the PEST model and the Michael Porter’s Five Forces Model to analyze the macro environment and market competition environment,while using the BCG Matrix to analyze internal product and loan models,and finally use SOWT analysis to comprehensively examine the internal advantages and disadvantages,external opportunities and threats,Therefore,suggestions are made for the development of the small and micro loan development strategy of Xuzhou Branch.This thesis proposes a small and micro loan development strategy for Xuzhou Branch in terms of marketing channels,product innovation,team building,and operation management.It has practical reference significance for expanding customer acquisition channels,increasing market share,and improving inclusive financial services.It has certain theoretical significance on how to realize the strategy of rural rejuvenation and the transformation and upgrading of China’s economic structure by vigorously developing inclusive finance.