Rural Microfinance Business Case Study Of CZ Branch Of Postal Savings Bank Of China

With the development of my country’s agriculture,China Postal Savings Bank has launched small loans with farmers and merchants as the main service objects based on the actual needs of farmers.On the basis of this,the micro-loan business has developed by leaps and bounds,proving its advantages in micro-loans.However,in recent years,the development of this business has faced a bottleneck.Therefore,this paper takes the CZ branch of Postal Savings Bank as an example to study the problems existing in its small loan business,which is conducive to promoting the improvement of the current problems faced by the bank,and also provides some reference for other regions.Based on the typical advantages of Postal Savings Bank of China different from other banks and its own advantages in serving "three rural areas",this paper selects Postal Savings Bank of China CZ branch as a practical case when conducting research on the small loan business of Postal Savings Bank of China.By means of literature review,on-the-spot investigation and case analysis,it expounds the relevant theories of its micro-loans,and at the same time introduces the overall operation of the CZ branch of Postal Savings Bank,the overall situation of rural small business loan business and its related products.Postal Savings Bank of China CZ Branch has implemented risk control for its rural small loan business in terms of pre-loan management and control,segment management,judicial management,bad debt write-off management and daily management,and its business has also achieved certain results.In its business,there are still problems such as incompatibility of supply and demand,slow approval and loan approval,unreasonable repayment structure and insufficient risk management team.The reasons for the above problems can be found that the above problems are caused by the failure of the types of loans to meet the needs and the lack of relevant systems.Sound,lack of intervention and guidance before lending,weak awareness of risk prevention,etc.Combined with the current economic development situation,relevant policies and the actual situation of Postal Savings Bank of China CZ branch,relevant countermeasures and suggestions are put forward from the development path,innovation direction,innovation content and external environment of rural small loan business.This paper takes CZ branch as the research object.On the premise of sorting and summarizing the previous research results,this paper proposes future development strategies according to the business development status of CZ branch of China Postal Savings Bank in the rural financial field,and proposes future development strategies for the development of its microfinance business.It has certain promotion significance,and also has certain reference significance for the development of similar business of other banks.First,it will help the further promotion and development of China Savings Bank’s small loan business in rural areas,and help the development of rural finance;second,it has a certain normative significance for rural private lending behavior,which is a good way to rectify the small loan business in the rural market.It can provide reference for the irregular behaviors of rural finance,which can further optimize the sound development of rural finance.