邮储郑州分行小额贷款业务发展问题研究

发布时间：2019-02-15 09:13

【摘要】：2007年3月,主要面向广大农村地区提供金融服务的中国邮政储蓄银行成立。它的成立和发展为资金回流农村提供了一个长效机制,对缓解我国城乡经济发展不平衡有重要意义。2007年6月邮储银行开通了小额贷款业务,标志着邮储银行服务农村金融市场进入到一个新的阶段,这不仅可以有效缓解商业银行的流动性过剩,还可以解决城镇就业人员和农民贷款难的问题。2007年12月,中国邮政储蓄银行郑州分行成立。六年以来,郑州分行累计发放小额贷款约36亿元,80%以上的贷款发放到县及县以下的农村地区,业务量居中部六省省会第一位。本文立足于郑州地区,采用定性分析和定量分析相结合的研究方法,对中国邮政储蓄银行小额贷款业务发展的现状、效益和存在的问题进行探究,并提出相应的改进建议。首先界定小额贷款和效益评价的概念。其次从定性的角度分析邮储郑州分行小额贷款业务的发展情况,主要从目标群体、贷款额度、贷款期限、还款方式、运作流程等方面介绍小额贷款业务,并从中分析出邮储郑州分行小额贷款业务具有产品标准、联保贷款、分期还款、动态激励、交叉检验等特色。再次,从定量的角度对邮储郑州分行小额贷款业务进行经济效益和社会效益评价,结论是开展小额贷款业务不仅满足了扶贫的要求,还实现了自身的盈利,具有商业可持续发展的特点。然而,邮储郑州分行小额贷款业务的发展过程中还存在着产品不灵活、信用信息不充分、贷款渠道单一、代理影响效率提升、风险管理水平不高的问题。最后,针对分析出的问题,建议邮储郑州分行小额贷款业务在普惠金融的原则下,向专业化、精细化发展,集中力量将小额贷款打造成邮储银行的优势业务。
[Abstract]:In March 2007, China Post savings Bank, which mainly provided financial services to rural areas, was established. Its establishment and development provide a long-term mechanism for the return of funds to rural areas, which is of great significance to alleviate the imbalance between urban and rural economic development. In June 2007, the Postal savings Bank opened a small loan business. The postal savings bank has entered a new stage in serving the rural financial market, which can not only effectively alleviate the excess liquidity of commercial banks, but also solve the problem of difficult loans for urban employees and farmers. Postal savings Bank of China Zhengzhou Branch established. In the past six years, Zhengzhou Branch has issued about 3.6 billion yuan of small loans, more than 80% of the loans have been issued to rural areas under county and county level, ranking first in the provincial capitals of six central provinces in terms of business volume. This paper, based on Zhengzhou area, adopts the research method of combining qualitative analysis and quantitative analysis to probe into the present situation, benefits and existing problems of the development of micro-loan business of China Postal savings Bank, and puts forward corresponding suggestions for improvement. First, define the concept of small loans and benefit evaluation. Secondly, it analyzes the development of micro-loan business in Zhengzhou branch of postal savings from a qualitative point of view. It mainly introduces micro-loan business from the aspects of target group, loan quota, loan term, repayment method, operation process, etc. It is analyzed that the micro-loan business of Zhengzhou Postal savings Branch has the characteristics of product standard, UNPROFOR loan, installment repayment, dynamic incentive, cross check and so on. Thirdly, from the quantitative point of view, the paper evaluates the economic and social benefits of the micro-credit business in Zhengzhou branch of postal savings. The conclusion is that the micro-credit business not only meets the requirements of poverty alleviation, but also realizes its own profit. Has the commercial sustainable development characteristic. However, there are still some problems such as inflexibility of product, insufficient credit information, single loan channel, high efficiency of agency influence and low level of risk management in the development of micro-loan business in Zhengzhou Branch of Postal savings. Finally, in view of the analysis of the problems, it is suggested that the micro-loan business of the Postal savings Zhengzhou Branch should be specialized and refined under the principle of inclusive Finance, and concentrate its efforts on making micro-loans into the superior business of the Postal savings Bank.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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