Analysis On The Development Strategy Of Microcredit Business In Guangdong Branch Of Postal Savings Bank

Since its founding in 2007,the postal savings bank of China has seen a rapid expansion of its microfinance business.However,there are many outstanding problems and challenges in the actual operation of postal savings bank's microfinance business.To achieve a stable,sustainable and healthy development of postal savings bank's microfinance business,an effective development strategy must be formulated.Taking guangdong branch of China postal savings bank as an example,this paper adopted literature research method,empirical research method,SWOT analysis and other research methods to make in-depth and detailed analysis of the advantages,disadvantages,opportunities and threats of postal savings bank's micro-credit business,and put forward relevant development strategies and Suggestions.The study found that compared with other commercial Banks in guangdong province,postal savings bank guangdong branch has the advantages of sufficient funds and developed branches,as well as the disadvantages of mixed operation,imperfect internal system,poor human resource quality and unreasonable allocation.We should not only see the rare policy opportunities,market opportunities and historical opportunities for the development of postal savings bank guangdong branch's microfinance business,but also realize that the development of postal savings bank guangdong branch's microfinance business faces the threat of poor credit environment,fierce market competition and hidden risks of financial risks.On microfinance specific development strategy,it is recommended that the post office bank guangdong branch to market development,product and model innovation,professional construction,scientific marketing process management and risk prevention and etc.,the specific development strategy,adhere to the "quality" into the road,the realization of microfinance business management quality and efficiency,a high degree of unity size,speed.