南阳市邮储银行农村小额信贷业务发展问题研究

发布时间：2018-03-03 06:25

本文选题：邮储银行　切入点：农村小额信贷　出处：《信阳师范学院》2017年硕士论文　论文类型：学位论文

【摘要】：2007年3月,立足于服务社区、服务中小企业、服务“三农”的中国邮政储蓄银行成立。其一直秉承着普惠金融理念前行,为使每个人都能享受平等的金融权利而努力。2007年6月邮储银行开办了农村小额信款业务,经过10年的时间,农村小额信款业务取得了不错的成绩,以资金回流农村的政策导向,切实服务了“三农”,为广大农村地区提供了金融服务,在一定程度上也缓解了农村金融市场资金供需不平衡的问题。虽然邮储银行发展前景客观,但也存在不少问题:发展速度放缓的业务、持续增加的不良贷款率、逐渐下滑的资产质量等都制约着邮储银行农村小额信贷业务的可持续发展。基于此,本文首先在分析国内外文献的基础上,阐述了中国邮储银行、农村小额信贷的基本情况,并介绍与其相关的理论基础;其次对南阳市邮储银行农村小额信贷进行了业务开展情况分析和SOWT分析,明确南阳市邮储银行农村小额信贷业务发展现状;再次分析南阳市邮储银行农村小额信贷业务存在的问题,是以南阳市A县支行为例,分别通过问卷调查法了解农户对邮储银行农村小额信贷业务的满意情况,和实地访谈法分析农村小额信贷业务的具体问题及原因,进而引申出制约农村小额信贷业务可持续发展的因素,包括:信用评估体系不健全、员工素质低、产品设计不能够满足现实需求、宏观政策支持不到位;接着研究比较国内外小额信贷发展经验,探讨其对邮储银行农村小额信贷业务的经验启示;最后,本文根据以上的分析,结合南阳市的实际情况,提出了促进南阳市邮储银行农村小额信贷业务良性发展的对策和建议,具体来说,第一是建立以数据库为基础的信用评级体系,第二是不断完善农村小额信贷利率定价模式,第三是提升员工综合素质,加强信贷队伍建设,第四是增加对产品创新和研发的投入,第五加大政府支持力度,创造良好的金融环境等。力求缓解制约邮储银行农村小额信贷业务发展的问题,使其在同行中更具有竞争力。
[Abstract]:In March 2007, the China Post savings Bank, which is based on serving the community, serving the small and medium-sized enterprises, and serving the "three rural areas", was established. In June 2007, the Postal savings Bank opened the rural micro-credit business. After 10 years, the rural micro-credit business has achieved good results, with the return of funds to the rural policy direction. It has effectively served the "three rural areas", provided financial services to the vast rural areas, and to a certain extent alleviated the imbalance between the supply and demand of funds in the rural financial market. Although the postal savings bank has objective prospects for development, However, there are still many problems: the slow development of business, the increasing non-performing loan ratio, the declining asset quality and so on all restrict the sustainable development of the rural micro-credit business of the Postal savings Bank. Firstly, based on the analysis of domestic and foreign literature, this paper expounds the basic situation of China Postal savings Bank and rural micro-credit, and introduces the relevant theoretical basis. Secondly, this paper analyzes the development of rural micro-credit business of Nanyang Postal savings Bank and SOWT analysis, and clarifies the current situation of rural micro-credit business development of Nanyang Postal savings Bank. Again, this paper analyzes the problems existing in the rural micro-credit business of Nanyang Postal savings Bank. Taking the Nanyang A County Sub-Branch as an example, we find out the farmers' satisfaction with the rural micro-credit business of the Postal savings Bank by means of a questionnaire survey. And field interviews to analyze the specific problems and causes of rural microfinance business, and then derive the constraints of rural microfinance business sustainable development factors, including: the credit evaluation system is not perfect, the quality of staff is low, Product design can not meet the actual needs, macro policy support is not in place; then the comparative study of domestic and foreign microfinance development experience, to explore its experience in postal savings bank rural microfinance business enlightenment; finally, this paper based on the above analysis, According to the actual situation of Nanyang City, this paper puts forward the countermeasures and suggestions to promote the benign development of rural micro-credit business of Nanyang Postal savings Bank. Specifically, the first is to establish a database based credit rating system. The second is to continuously improve the pricing model of rural microcredit interest rates, the third is to improve the comprehensive quality of employees and strengthen the construction of credit teams, 4th is to increase investment in product innovation and research and development, and 5th to increase government support. To create a good financial environment, and strive to alleviate the constraints on the development of postal savings bank rural microfinance business, making it more competitive in the peer.
【学位授予单位】：信阳师范学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43;F618.3

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