Research On Optimization Of Small And Micro Financial Services Of Jiangxi Postal Savings Bank Based On Big Data

With the development of the economy,the competitiveness of the financial industry has also intensified.The increase in the number of financial institutions and private banks has given many commercial banks a lot of development challenges.Under this circumstance,while pursuing the expansion of financial business,banks also need to pay attention to the upgrading and innovation of their products.As a product with more development potential in recent years,Xiaowei Finance has a positive significance for the development financing of small and micro enterprises.Especially in the era of the Internet,the speed of corporate funds is accelerating,and the shortage of capital chains is more likely to occur.Therefore,the bank has invested a lot of time and capital in the development of micro-finance business,hoping to gain more market share in the micro-finance industry.As a state-owned commercial bank,Jiangxi Postal Savings Bank has faced more and more pressure in its recent development.As a major product to stimulate the development of Jiangxi Postal Savings Bank,small micro financial products not only have a positive effect on the bank's business accumulation,but also play an important role in the bank's customer management.Based on the research on micro-financial products,this paper discusses the shortcomings of micro-financial services and then the Jiangxi Postal Savings Bank,and proposes improvement measures to promote the Jiangxi Postal Savings Bank to achieve more in micro-financial services.Good development.The research content of this paper is mainly divided into the following parts.The first part elaborates on the research background,research significance and the status quo at home and abroad.Through the research of scholars at home and abroad on micro-financial products,the research methods and main research framework of this paper are established.The second part systematically expounds the theoretical part of the article and lays the theoretical foundation for the research.This part is mainly about the concept of small micro financial products,the article research methods in the research process have been confirmed,including the connotation of product services,technical methods.After this part of the research,the problem can be better analyzed in the subsequent research of the article.The third part mainly introduces the small and micro financial products of Jiangxi Postal Savings Bank and some business status,and introduces various aspects of small and micro financial products of Jiangxi Postal Savings Bank,and analyzes the existing small and microfinancial products of Jiangxi Postal Savings Bank.Service issues,unfolding system analysis studies.The fourth part mainly gives suggestions for the problems existing in the small and micro financial products service of Jiangxi Post Bank,and proposes improvement measures from the aspects of product innovation,policy,organizational structure and risk control system to promote Jiangxi.The increase in the service of small and micro financial products of the Postal Savings Bank.Through the analysis of the full text,we not only understand the current status of the operation of small and micro financial products in Jiangxi Postal Savings Bank,but also understand the current status of microfinance services.From the research point of view,micro-financial services are a big choice for small and micro-enterprise financing,but for banks,how to improve and innovate their own micro-financial products requires multi-faceted analysis and research to promote their own micro-finance The success of the product in the market is also the reason why Jiangxi Postal Savings Bank needs to make improvements in the future.