Research Of Business Development Strategies Of Agricultural Loans In Y Branch Of China Postal Savings Bank

Through the methods of literature research,investigation and theoretical and empirical analysis,this paper collects related literature of agricultural loans,the theoretical knowledge and data of Y Postal Savings Bank agricultural loans business development and also carries on the investigation and interview on agricultural loans related personnel.By using the theory of knowledge,this paper integrates the sorting data and information in order to find out the problems existing in the development of agriculture-related loans of Y Postal Savings Bank and then put forward targeted strategic suggestions,which aims to find out the existing problems through my own investigation and research and solve the problems existing in the development of agriculture-related loans to a certain extent so as to play a certain reference role for financial institutions.Through investigation and study,it finds that Y Postal Savings Bank agricultural loan business development has many problems which include complicated process,poor customer experience,lack of credit culture and insufficient core competitive power,low risk control ability,low talent quality and low financial science and technology.The author analyzes the problems and proposes the corresponding development strategy for rural loans,loans to farmers,agricultural loans and competitors and then put forward measures including the innovation of products and services,improving the risk control ability,technology to optimize the process and talent development.Through research we find that the Y Postal Savings Bank agricultural loan business development has unique advantages which are more branches,wide coverage and good customer base.The rural revitalization strategy is a national priority,and Y Postal Savings Bank vigorously develops agriculture-related loans and actively involves in rural financial market,all of these are the inevitable choice of their own development.Y Postal Savings Bank rural loans should be as the main direction,and agricultural loans should be divided by industry,which will focus on tackling the leading industries,while farmer loans should focus on farmer consumption loans to expand domestic demand and help rural revitalization.