Postal Savings Bank Changsha Branch Of The Development Of Small Business Credit Strategy Research

With constant changes of the financial condition in China, the environment for the business of domestic commercial banks is also facing unprecedented changes, for instance, disintermediation forks out banks' financing revenue, interest-rate market-oriented constantly declines the profit margin and the high loan centralization increases the credit loan risks. All these new problems will have great influence on the constant development of commercial banks in the future.The study of Post Bank of China(PSBC)'s development of Small-and-Medium-Sized Enterprises(SMEs)credit loan has its great meaning for PSBC to explore SMEs credit loan market, restructure the loan income, find out new profit resource, improve the credit asset structure and confront with the challenges in the future. Moreover, it will also give inspiration to other domestic commercial banks to develop the SMEs credit business.This paper divides into six chapters:Chapter one:introduction, documents review and the main frame;Chapter two:literature review of small enterprise loan;Chapter three:the development status of the loan for the small company of Post Bank.Chapter four:through a great deal of investigation, this part reorganizes and analyzes advanced experience of CMSB and Deutsche Bank in small enterprise's loan business.Chapter five:uses SWOT and PEST analysis on Post Savings Bank Changsha branch to carry out the development of positioning analysis.Chapter six:on the basis of previous chapters, this chapter makes the countermeasures and suggestions of the SME development of Postal savings bank Changsha branch.