邮政储蓄银行小额贷款业务发展对策研究样本.doc

摘要20世纪90年代以来，中小公司呈现出了良好发展势头，得到了迅速发展，数量逐年增长，作用日益凸现。对一某些具备发展潜力中小公司适度提供贷款，协助、支持其发展，哺育将来优良客户应当成为邮政储蓄银行一项重要战略举措。在国家政策扶持中小公司发展、其赚钱能力与经济实力不断增强状况下，着力开拓中小公司信贷市场对邮政储蓄银行拓展信贷业务显得尤为必要。本文从邮政储蓄银行角度，一方面对邮政储蓄银行小额贷款现状现状进行了描述，即存在中小公司融资和城乡人员、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，对中小公司融资和城乡人员、农民贷款资金需求具备“短、频、快”共同特性与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合面临两大难题：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。最后就如何建立一种相对安全小额贷款业务风险防范机制进行了探讨、研究，并提出了相应理论观点。为邮政储蓄银行小额贷款业务有效推广，献言献策。核心词：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…………………………………………………………………………1第二章邮政储蓄银行开拓小额贷款业务现状分析…………………………32.1邮政储蓄银行开拓小额贷款市场必要性…………