The Postal Savings Bank Of China Dongying City Branch Microcredit Business Development Research

Entering the 21 st century, more and more attention to small loans business in the field of global financial research and development, more and more countries and financial institutions to realize the meaning and value of micro-credit business. The small micro enterprise is the main force, supporting China’s economic and social development in recent years, countries and banking regulators have issued a number of financial reform measures and guidelines to promote the development of small enterprises. Because of the small loans business in our country starts late, so still need to be over a period of time and grope for to form the end of the standardized systematic business model. Although in recent years the domestic academia has comprehensive thorough development of the study of the theory of the small loan business, but in the aspect of technical analysis means of microfinance business exploration results have guidance value for practice is still lacking. Is expected in the future a long a period of time, small loans business operation and development degree directly affect the overall trend of the economic environment in our country, in the process of the small loans business analysis techniques play a crucial role on adjustment and improvement.In this article, through comprehensive analysis of the characteristics of the small micro enterprise and financing needs, and give full consideration to the technical development level of the credit business in China and at the same time combining both at home and abroad to carry out the small loan business of the existing experience and the insufficiency, proposed several suitable for our country at present to promote small loans business credit analysis technology. Through the analysis of the special advantage of bank of post office in dongying branch and business development present situation, and combine with the development of small loan business in commercial Banks at home and abroad successful experience, and case summary, give full consideration to post office bank dongying branch development the advantages and disadvantages of small loan business, finally puts forward development in dongying branch post office bank small loans business ideas and measures for the Suggestions.