邮政储蓄银行小额贷款业务发展对策研究应用.doc

南京邮电大学继续教育学院高等函授、业余毕业设计（论文）设计题目：邮政储蓄银行小额贷款业务发展对策研究入年月姓名学号专业经济学所属总站指导老师完成日期年3月10日摘要20世纪90年代以来，中小企业展现出了良好发展势头，得到了快速发展，数量逐年增加，作用日益凸现。对一部分含有发展潜力中小企业适度提供贷款，帮助、支持其发展，培育未来优良用户应该成为邮政储蓄银行一项关键战略举措。在国家政策扶持中小企业发展、其盈利能力和经济实力不停增强情况下，着力开拓中小企业信贷市场对邮政储蓄银行拓展信贷业务显得尤为必需。本文从邮政储蓄银行角度，首先对邮政储蓄银行小额贷款现实状况现实状况进行了描述，即存在中小企业融资和城镇人员、农民贷款“贷款成本高、贷款风险大”特点，并对此展开了探讨。然后，对中小企业融资和城镇人员、农民贷款资金需求含有“短、频、快”共同特征和邮政储蓄银行小额贷款业务可行性进行研究，进而引申出邮政储蓄银行开拓小额贷款业务这一市场所面临两大难题：邮政储蓄银行小额贷款业务发展中存在问题及业务发展对策。最终就怎样建立一个相对安全小额贷款业务风险防范机制进行了探讨、研究，并提出了对应理论见解。为邮政储蓄银行小额贷款业务有效推广，献言献策。关键词：小额贷款；业务发展；风险防范机制ABSTRACTSincethe1990s,smallandmediumshowingagoodmomentumofdevelopmenthasbeenrapiddevelopment,thenumberincreaseseveryyear,highlightsthegrowingrole.OnthepartofthedevelopmentpotentialofSMEstoprovideamodestloanstohelpsupporttheirdevelopment,promotegoodcustomershouldbethefutureofthepostalsavingsbankisanimportantstrategicmove.AtthenationalpolicytosupportSMEdevelopment,profitabilityandeconomicstrengthofthecase,effortstodevelopSMEcreditmarketforpostalsavingsbankstoexpandcreditisparticularlynecessary.ThispointofviewfromthePostalSavingsBank.FirstMicrofinanceBankofthestatusofpostalsavingsdescribedthecurrentsituation,thatthereisfinancingforSMEsandurbanworkers,farmersloansto"highcostloans,loanrisk"characteristics,andhavelaunchedandiscussed.Then,thefinancingforSMEsandurbanworkers,farmersdemandloanwitha"short,frequent,quick,"thecommonfeaturesofsmallloansandbusinesspostalsavingsbankfeasibility)studyfurtherpointedoutthatasmallloantoopenuppostalsavingsbankbusinessinthismarketfacestwomajorproblems:lendinginterestratesandcreditriskcontrolissues.Finally,onhowtodeterminetheappropriateinterestrate,howtoestablisharelativelysecuresmallloansbusinessriskpreventionmechanismdiscussed,studied,andthecorrespondingtheoreticalpointofview.ForthePostalSavingsBanktopromotemicro-lendingbusinesseffectivelyputforwardtheirownproposals,measures.Keywords:Microfinance;pricingmodel;riskpreventionmechanism目录第一章绪论……………………………………………………………………………11.引言……………………………………………………………………………12.研究背景……