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Big Bank – Small Money! Microfinance and Retail Banking

Big Bank – Small Money! Microfinance and Retail Banking

The Credit Business of

The Credit Business of PSBC and the GTZ PSBC Project on Microfinance and Retail Banking 16.11.2009 Seite 6

Opportunities and Challenges (for the Credit Business) Opportunities Favorable economic environment double digit growth rates for almost 2 decades in particular amongst MSME in China Political framework conditions “SAN NONG” “harmonious socialist countryside” access to financial services for households and MSME as a political goal PSBC’s unique market position and dedication to its strategic objectives a) significant client basis b) cheap refinancing c) large branch network d) cheap labor force e) well established brand name with a good reputation f) low competition in the area of MSME lending The State Council selected PSBC to become one of the main providers of financial services for ordinary households and MSME all over the country Applying a strategic bank management approach (with a clear vision, mission, a set of long term objectives, a well defined business case with a corresponding comprehensive business strategy) Defining and implementing a new corporate culture for the new bank Qualification of staff / HR management Risk management Lack of equity Accounting (...) Challenges 16.11.2009 Seite 7

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