邮政储蓄银行沈阳L支行小额贷款业务调研

发布时间：2018-03-19 12:19

本文选题：邮政储蓄银行　切入点：小额贷款业务　出处：《辽宁大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,中国的经济在不断的高速发展中,国家和政府也不断提高了对农村经济发展的重视程度,我国农村人口的生活水平有了显著的提高,农村经济规模已经取得大幅度的进步。与此同时,社会公众和国家政府对农村整体的金融发展环境提出了越来越高层次的要求。而农村经济的发展不能离开资金的支撑,中国邮政储蓄银行网点遍布城乡,肩负着服务三农的重任,在这样的大环境下,争取不断的发展、创新小额贷款业务,以满足农村日益增长的资金需求的趋势势不可挡,这也是邮储银行继续创新发展的必经之路。中国邮政储蓄银行自开办农村小额信贷业务以来,服务的农村客户数量与提供给广大农村地区的资金支持量一直稳步上升。但是与其他国有银行和农村信用社等同业相比,起步相对较晚,产品适应性和合理性还有一定的提升空间,在业务管理上也比较缺乏专业的小额信贷管理经验。小额贷款业务是邮储银行“服务三农”活动的重要措施之一。一方面,开办农户小额贷款业务顺应了广大中小农商户以及中低收入人群的意愿,符合农村经济市场的资金需求,在实现服务大众的同时,也完成了自身的金融产品创新,为邮政储蓄银行的快速发展带来了新的机遇,战略意义十分深远;另一方面,开办农户小额贷款业务拓宽了农村居民的融资渠道,极大地增加了农户的融资便利,这使得日益严重的农村融资矛盾可以得到有效的化解,也具有十分重要的政治意义。L区是国家级现代农业示范区,位于辽宁省中部,距省会沈阳仅53公里,占地面积1460平方公里,总人口 47万人。全区共有15个镇、2个街道,184个行政村。耕地面积130万亩,盛产水稻、玉米。粮食年产量50万吨,果蔬年产量20万吨,淡水鱼养殖水面8万亩,肉牛年饲养量12万头。地方政府围绕“鲫鱼”、“黄牛”两大地理标志主导产业,积极打造两大基地建设。形成了农业与养殖业有机结合的、可持续发展的产业格局。为了更好地扶持L区的地方农村经济,响应国家服务三农的要求,邮储银行沈阳L支行推出了小额贷款业务,多年来有效的扶持了 L区当地农户尤其是从事养殖业农户的生产发展。为了更好的研究L支行小额贷款业务的发展现状,本调研报告通过对该支行业务进行实地调研的方式了解了支行发放小额贷款的具体情况。同时,采用随机方式向225名到银行办理小额贷款业务的农户发放调查问卷,问卷内容包括农户的基本自然信息、对于小额贷款的需求特点以及对L支行贷款业务现状的满意程度。通过对两部分调研数据的整理和汇总、借鉴了相关文献以及学习其他小额信贷业务发展快速地区的创新理念,探讨了目前L支行小额贷款业务现实存在的诸多问题,为改善现存问题提出了解决对策,从而促进L支行小额贷款业务可持续向前发展。本调研报告结构如下:第一部分为绪论。绪论介绍了本调研报告的研究背景、研究意义,概述了调研报告的研究内容与方法,并指出了本调研报告的创新与不足之处。第二部分主要从邮储银行沈阳L支行的简介,L区的产业特色以及支行现有的六种小额信贷业务类型三个方面对邮储银行沈阳L支行小额贷款业务进行概述。第三部分详细介绍了调研开展的过程。调研的主要步骤包括调研问卷的设计与内容,调研问卷的发放与收回,并在回收问卷后,对采集到的信息从客户的基本状况、贷款信息和客户满意度三个角度进行分析,意在通过分析发现业务现存的问题。第四部分主要是分析结果。这部分阐述了邮政储蓄银行沈阳L支行小额贷款业务所具备的优势,并对小额贷款业务存在的问题及原因进行了分析。第五部分针对小额贷款业务存在的问题,提出了完善的对策。
[Abstract]:In recent years, the rapid development of economy in Chinese constantly, the state and the government also increasing emphasis on the development of rural economy, the rural population of our country's standard of living has been significantly improved, the rural economy has made great progress. At the same time, the public and the government put forward more and more high the requirements for the overall level of rural financial development environment. The development of rural economy cannot leave the support of funds, Chinese postal savings bank outlets throughout the city, shouldering the rural services, in this environment, for the development of innovative small business loans, to meet the growing demand of rural capital trends this is the postal savings bank to continue a trend which cannot be halted, the only way which must be passed to innovation and development. Since China postal savings bank since the start of the rural microfinance business, the number of services for the rural customers And to provide financial support in rural areas has been steadily increasing. But compared with other state-owned banks and rural credit cooperatives industry started relatively late, the product adaptability and rationality has certain promotion space, in the management of the business is relatively small, lack of credit management. Professional experience in small business loans is one of the important measures of postal savings the bank "three rural service" activities. On the one hand, offer small loans to farmers with small and medium-sized commercial business households and willingness of low-income groups, meet the market demand for funds in the rural economy, in the realization of the public service at the same time, also completed the innovation of financial products, has brought new opportunities for the rapid development of the postal savings bank the profound strategic significance; on the other hand, offering farmers microfinance business to broaden the financing channels for rural residents, greatly increased the agricultural The financing convenience, which makes the rural financing problem increasingly serious can be effectively resolved, also has a.L region of political significance is a national modern agriculture demonstration zone, located in central Liaoning Province, only 53 kilometers from the provincial capital Shenyang, covers an area of 1460 square kilometers, the total population of 470 thousand people. There were altogether 15 Town, 2 street, 184 administrative villages. 1 million 300 thousand acres of arable land, rich rice, corn grain. The annual output of 500 thousand tons, annual output of 200 thousand tons of fruits and vegetables, freshwater fish farming 80 thousand acres of water, beef cattle feeding capacity of 120 thousand head. The local government around the "carp", "cattle" two geographical indications leading industry. Actively build the construction of the two bases. The formation of agricultural and organic combination of industry, industrial pattern of sustainable development of local rural economy. In order to better support L, in response to the national rural services, the Postal Savings Bank of Shenyang branch launched L Small business loans over the years, effective support L local farmers especially the production and development of farmers engaged in farming. In order to better study the development situation of L branch of small business loans, the survey report to understand the specific circumstances of small loans through the on-the-spot investigation of the branch business. At the same time, uses the stochastic method for small business loans to banks to 225 household questionnaires, the questionnaire included basic information of natural farmers, demand characteristics for small loans and satisfaction of L branch loan business situation. The two part of the survey data collation and summary, draw lessons from the relevant literature and learning other microfinance business development fast regional innovation concept, discusses the problems of the L branch of the microfinance business reality, in order to improve the existing problems and puts forward the The solution, so as to promote the L branch of microfinance sustainable development. This research report the following structure: the first part is introduction. The introduction introduces the research background, the Research Report of the research significance, research content and method of investigation report outlines, and pointed out the innovation and shortcomings of this research. The second part of the main report from the postal savings bank of Shenyang branch of L, the three aspects of the industry characteristics and the L branch of the existing six types of microfinance business overview of Shenyang L branch of the postal savings bank microfinance business. The third part introduces the process of research. The main research contents include the steps of design and survey questionnaire, questionnaire survey the distribution and recovery, and the recovery of the questionnaire, the collected information from the basic status of customers, analyze the three aspects of loan information and customer satisfaction in the Business analysis found that the existing problems. The fourth part is the analysis of the results. This part of the small loan business of Postal Savings Bank of Shenyang branch of L has the advantage, and the existence of small business loans and the reasons for the problems are analyzed. The fifth part is the existing problems for the microfinance industry, puts forward the countermeasures.

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F618.3

【参考文献】