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中国邮政储蓄银行农村小额贷款可持续发展研究

发布时间:2019-01-09 11:58  文章来源:笔耕文化传播
【摘要】:中国邮政储蓄银行自成立以来就立足于服务“三农”的市场定位,积极探索一条有中国特色的农村金融之路,努力构建一种金融业与“三农”共赢的盈利模式。自2007年中国邮政储蓄银行试点开办“好借好还”小额贷款业务以来,经过5年多的时间,邮政储蓄银行小额贷款业务取得了不错的成绩,切实服务了“三农”,为广大农村地区提供了金融服务;也为邮储银行的全面转型发挥了重要作用。但随着业务不断发展,在部分省市小额贷款业务发展却进入了瓶颈期,业务发展速度放缓、不良贷款率不断攀升、资产质量下滑等问题开始困扰着邮储银行。如何实现中国邮政储蓄银行农村小额信贷业务的可持续发展,成为当前邮储银行迫切需要解决的问题。 邮政储蓄银行的可持续发展不仅是指农村小额贷款业务及农村小额贷款业务经营机构的持久生存,也包括农村小额贷款市场份额的持续增长,还包括农村小额信贷通过金融创新和产品创新实现适应市场需求的能力增强过程。从当前邮政储蓄银行开办的农村小额贷款业务来看,利率水平固定、贷款期限短、额度小、小组联保的正向作用未能得到有效发挥等问题,再加上农业生产本身存在的风险大、价格波动大、农户自身抗风险能力弱,以及农户自身的信用意识不强,经济实力差等原因,信贷客户经理业务素质不高、风险防范能力不强、风险防范意识差等使得农村小额贷款持续发展困难重重。 本文从农村小额贷款的定义出发,通过对国内外小额贷款的发展经验的对比,对中国邮政储蓄银行农村小额贷款的发展轨迹进行分析研究,运用案例分析、比较分析和统计描述等方式方法,研究制约中国邮政储蓄银行小额信贷业务可持续发展的因素,并对如何促进中国邮政储蓄银行小额信贷业务可持续发展提出了相应的对策和建议。
[Abstract]:Since its establishment, the Postal savings Bank of China has been based on the market orientation of serving the "three rural areas", actively exploring a rural financial road with Chinese characteristics, and striving to build a win-win profit model between the financial industry and the "three rural areas". Since 2007, when the Postal savings Bank of China started the small loan business of "good loans and good loans" on a pilot basis, after more than five years, the postal savings bank has achieved good results in its microfinance business and has effectively served the "three rural areas". Providing financial services to the vast rural areas; It also plays an important role in the overall transformation of Postal savings Bank. However, with the continuous development of business, the development of micro-loan business in some provinces and cities has entered a bottleneck period, business development slowed down, the non-performing loan rate continued to climb, the quality of assets declined and other problems began to haunt the Postal savings Bank. How to realize the sustainable development of the rural micro-credit business of China Postal savings Bank has become an urgent problem to be solved by the Postal savings Bank. The sustainable development of the postal savings bank not only refers to the sustainable survival of the rural micro-loan business and the rural micro-loan business management institutions, but also includes the sustained growth of the market share of the rural micro-credit. It also includes the process of enhancing the ability of rural microfinance to adapt to market demand through financial innovation and product innovation. Judging from the current rural microfinance business run by the Postal savings Bank, the interest rate is fixed, the loan period is short and the amount is small, and the positive role of the group's protection is not effectively brought into play. In addition, the risks of agricultural production itself are high. Due to the large price fluctuation, the weak anti-risk ability of farmers themselves, the weak credit consciousness of farmers themselves and the poor economic strength, the quality of credit account managers is not high, and the ability of risk prevention is not strong. Poor awareness of risk prevention makes the sustainable development of small loans in rural areas a lot of difficulties. This paper starts from the definition of rural microfinance, through the comparison of the development experience of the domestic and foreign microfinance, analyzes and studies the development track of the rural micro-credit of China Postal savings Bank, and applies the case study. Through comparative analysis and statistical description, this paper studies the factors that restrict the sustainable development of micro-credit business of China Postal savings Bank. The corresponding countermeasures and suggestions on how to promote the sustainable development of micro-credit business of China Postal savings Bank are put forward.
【学位授予单位】:山东大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F832.43

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