DY邮政储蓄银行小额贷款业务发展策略

发布时间：2018-01-14 09:41

本文关键词：DY邮政储蓄银行小额贷款业务发展策略　出处：《电子科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：2007年,中国邮政储蓄银行成立,作为逐步向现代化商业银行转型的国有商业银行,要在日趋激烈的同业竞争中站稳脚跟,进而实现可持续发展,自身的市场定位尤为重要。小额贷款业务是邮储银行成立后推出的第一款资产业务,可以说是邮储银行的战略性业务和标志性产品,对加强社会主义新农村建设,有效促进微小企业的发展,解决融资难的问题,具有极为重要的意义中国邮政储蓄银行DY市分行自2008年6月份开办小额贷款业务以来,为地方经济建设和灾后重建,特别是在支持县域微小企业和农户作出了一定贡献,但近期在业务发展和风险管控方面遇到了一定困难和发展瓶颈,如发展速度趋缓,贷款预期率和不良率不断攀升本文在借鉴分析相关文献的基础上,对邮储银行发展历程,开展小额贷款业务的现状及存在的问题进行了阐述和分析,并从国际角度,借鉴国外几家小额贷款业务发展得较为成熟的银行操作模式,找出对DY邮政储蓄银行的一些启示。文章重点对DY邮政储蓄银行所面临的宏观环境、市场环境、产品策略等进行全方位的分析和研究,并通过SWOT分析,对DY邮政储蓄银行发展小额贷款业务的优势、劣势和面临的机遇和挑战进行了研究,提出了应采取SO发展策略,即充分发挥DY邮政储蓄银行的网点、网络等方面的内部优势,利用国家高度重视农村小额贷款业务发展等外部机会的战略,扬长避短,开发农村市场。在具体发展策略上,结合DY实际情况,从业务发展策略、风险控制策略、成本控制策略、不良贷款催收策略等方面提出了具体方案,以促进DY邮政储蓄银行展小额贷款业务健康快速发展,并期能对全国二级分行邮储银行小额贷款业务的发展做出贡献。
[Abstract]:In 2007, the Postal savings Bank of China was established. As a state-owned commercial bank which gradually transformed to a modern commercial bank, it should take a firm foothold in the increasingly fierce interbank competition, and then realize the sustainable development. Its market positioning is particularly important. Microfinance is the first asset business launched after the establishment of the Postal savings Bank, can be said to be the Postal savings Bank's strategic business and iconic products. It is of great significance to strengthen the construction of new socialist countryside, effectively promote the development of small and medium-sized enterprises, and solve the problem of financing difficulties. Since June 2008, DY City Branch of China Postal savings Bank has made some contributions to local economic construction and post-disaster reconstruction, especially in supporting small and medium-sized enterprises and farmers in counties. Recently, however, there have been some difficulties and bottlenecks in business development and risk management, such as the slowing down of the development rate, the rising rate of loan expectation and the rate of failure. On the basis of reference and analysis of relevant literature, this paper expounds and analyzes the development course of Postal savings Bank, the present situation and existing problems of micro-loan business, and from the international point of view. Draw lessons from several foreign small loan business development of the more mature bank operation mode, find out some inspiration to DY postal savings bank. The article focuses on DY postal savings bank facing the macro environment. Market environment, product strategy and other all-round analysis and research, and through SWOT analysis, DY postal savings bank to develop microfinance business strengths, weaknesses and opportunities and challenges faced by the study. So development strategy should be adopted, that is, to give full play to the internal advantages of DY postal savings bank in network and network, and to make use of the strategy that the country attaches great importance to the development of rural micro-credit business and other external opportunities. In the specific development strategy, combined with the actual situation of DY, from the business development strategy, risk control strategy, cost control strategy. In order to promote the rapid development of DY Postal savings Bank's micro-loan business, the paper puts forward some specific plans in the aspects of non-performing loan collection strategy and so on. And can contribute to the development of the postal savings bank micro-loan business of the second-level branch of the country.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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