邮储银行塔城分行农户小额贷款业务发展问题研究

发布时间：2018-01-01 20:08

本文关键词：邮储银行塔城分行农户小额贷款业务发展问题研究　出处：《石河子大学》2016年硕士论文　论文类型：学位论文

【摘要】：伴随银行业高速发展的时代浪潮,国家也越来越重视银行对贫困地区的大力扶持和农村经济环境改善的拉动作用。从改革开放以来银行信贷支持农村经济的实践成果来看,虽然取得了阶段性的良好效果,但也存在不少漏洞,本论文以邮储银行塔城地区分行农户小额贷款业务为主要研究对象,邮储银行作为国家面向农村服务三农的重要金融机构,在小额贷款业务发展中也存在一些问题。这些问题主要包括了以下几个方面:一是管理成本较高的问题,邮储银行主要经营的农户小额贷款业务由于成本高,效率低,存在天生不足;二是收回风险较大问题,由于邮储银行信贷部门成立时间较晚,且客户多为信用意识偏低的农户,导致农户小额贷款面临较大的收贷风险,亟需培养客户的法治和信用观;三是人员能力素质问题,从现有的情况来看,大部分信贷员存在能力欠佳,学历较低,专业性不强,对本身信贷产品了解不深的各种情况;四是服务农村农民产品单一化问题,只有农户小额贷款业务一种类型,不能很好满足大部分农村农户的需要。因此本文研讨的主要问题,就是就如何化解上述矛盾提出一点自己浅显的建议。中国目前有7亿农民,农村市场潜力巨大,亟需挖掘,但由于大部分农村普遍并不富裕,农民收入不高,贫困问题始终存在,因此银行业金融机构以信贷模式进行贷款支持农村经济发展,就显得十分重要,如何发展,怎样支持的效率最高,风险最小,是本文探讨的主要方面。本文以邮储银行塔城地区分行农户小额贷款业务发展现状为例,依据STOW分析、市场营销、管理经济学等方法对邮储银行塔城地区分行目前的农户小额贷款业务发展情况进行详细地描述及全面的分析,并针对目前农村经济发展现状中实际存在的问题,提出进一步改进的建议,然后借鉴国内外先进发展经验,提出邮储银行塔城地区分行农户小额贷款业务支持塔城地区农村经济发展措施,从而确定自身发展方向,找准市场定位:完善当前信贷管理体系,以增加农民收入为目的,参与市场公平竞争;同时从微观角度完善农民联保制度,大力扶持区域性农业产业化龙头企业和农村小微企业发展,不断优化和创新产品,从控制自身风险的角度出发,鼓励农户办理保险,提出应加强贷款组合管理,并最终分享农村脱贫发展的受益。本文的策略研究为邮储银行塔城地区分行农户小额贷款发展问题的研究以及有效地改进提供了较为有用的参考,并对其他银行业金融机构的农户小额贷款业务发展策略制定提供一定借鉴作用。
[Abstract]:Along with the rapid development of the national banking era, more and more attention to the role banks in poor areas to support the rural economy and improve the environment. From the practice results since the reform and opening up the bank credit support of the rural economy, although has achieved good results, but there are also many loopholes, the postal savings branch of Bank of Tacheng area farmers microfinance business as the main object of study, the postal savings bank as a national important financial institutions for rural rural services, in the business development of small loans also exist some problems. These problems include the following aspects: one is the high cost of management, farmers microfinance business of the postal savings bank operates mainly due to high cost, low efficiency, the inherent shortage; two is to recover the risk, because of the postal savings bank credit department set up late , and customers for the low credit consciousness of farmers, resulting in small loans to farmers face greater risk of the loan, the urgent need to develop the rule of law and the concept of customer credit; three is the ability of personnel quality problems, from the existing situation, most of the credit being poor, less educated, professional, all kinds of credit deep understanding of the product; four is a single service of rural products, only farmers microfinance business type, can not satisfy the need of most rural households. So the main problem of this study, it is proposed a suggestion on how to resolve these conflicts. Chinese currently has 700 million farmers in rural areas the huge market potential, to mining, but the majority of rural areas is not rich, the income of the farmers is not high, poverty has always existed, so the banking financial institutions loans to credit model Support the development of the rural economy, it is very important that how to develop, how to support the highest efficiency, lowest risk, is the main aspect of this dissertation. In this paper, the postal savings bank branch in Tacheng area farmers microfinance business development as an example, on the basis of STOW analysis, marketing, management economics and other methods are described in detail and comprehensive analysis of the postal savings bank branch in Tacheng area at present farmers microfinance business development, and aims at the existing problems in the rural economic development situation, put forward some suggestions for further improvement and development of domestic and foreign advanced experience and reference, put forward the postal savings Bank branch in Tacheng area farmers microfinance business support measures of development of rural economy in Tacheng area, so as to determine the its development direction, identify the market position: perfecting the current credit management system, to increase the income of the farmers to participate in the city A fair competition; while from the micro perspective to perfect the UNPROFOR system, and vigorously support the regional leading enterprises of agricultural industrialization and rural Small and micro businesses development, and constantly optimize the product innovation, starting from the perspective of risk control, to encourage farmers to apply for insurance, it should strengthen the loan portfolio management, benefit sharing and development of rural poverty. This research method for studying the problems of microfinance development of the postal savings bank branch in Tacheng area farmers and effectively improve provides a useful reference and development strategy of small business loans to farmers and other banking institutions to provide a reference.

【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4;F618.3

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