Research On The Development Of Rural Microcredit Of Postal Savings Bank In Nanyang City

In March 2007,China postal savings bank was established on the basis of serving the community,serving the small and medium-sized enterprises and serving "agriculture,countryside and farmers".t has been adhering to the concept of Inclusive Finance forward,so that everyone can enjoy the equal financial rights and efforts.In June 2007,the postal savings bank opened the rural micro credit business,after 10 years,the rural micro credit business achieved good results,with the flow of capital in rural areas and policy oriented,service "three rural",provides financial services for the rural areas.To some extent,it also alleviates the problem of imbalance between supply and demand of rural financial market.Although the postal savings bank development objective,but there are also many problems: the sustainable development of the slowdown in the pace of business,increasing the rate of bad loans,a gradual decline in the quality of assets are restricting the rural microfinance business of postal savings bank.Based on this,this paper first analyzes the domestic and foreign literature on the basis of the postal savings bank of China,the basic situation of rural microfinance,and introduces its theoretical basis;Secondly,the postal savings bank of Nanyang rural microfinance business carried out analysis and SOWT analysis,clear Nanyang postal savings bank microfinance business development;Again,analysis of the postal savings bank of Nanyang City,the rural microfinance business problems,is a branch of A County of Nanyang city as an example,through the questionnaire survey method to understand the farmers of rural microfinance business of postal savings bank satisfaction,specific problems and reasons analysis of rural microfinance business and field interviews,then extended to the factors restricting the sustainable the development of rural microfinance business include: credit evaluation system is not perfect,low quality of employees,product design can not meet the practical demand,the macro policy support in place;Then it studies the experience of domestic and foreign microfinance development,and discusses the experience and Enlightenment of postal savings bank;Finally,based on the above analysis,combined with the actual situation of Nanyang City,put forward the countermeasures and suggestions to improve the healthy development of rural micro credit business,the postal savings bank of Nanyang City,specifically,thefirst is to establish a credit rating system based on database,the second is to perfect the pricing mode of rural micro credit interest rate,the third is to enhance the staff credit quality,strengthen team construction,the fourth is to increase product innovation and R& D investment of fifth,increase government support,to create a good financial environment.To alleviate the problem of restricting the development of postal savings bank rural microfinance business,make it more competitive in the peer.