邮政储蓄银行在宁波地区小额贷款风险管控研究

发布时间：2018-12-24 07:31

【摘要】：小额贷款是面向贫困人口、小微企业等弱势群体的一种信贷服务,旨在面向贫困人口提供金融服务,并为解决农户贷款难题、支持商户生产经营、促进国民经济发展作出了巨大的贡献。因此,如何向广大的小额贷款客户提供基础金融服务是其他各国政府一直面临的挑战,也是我国当今社会经济发展中必须要解决的问题。自2005年开办业务以来,邮政储蓄银行在体制改革不断深入的前提下,明确了市场定位,并通过积极发展小额贷款完成战略转型,最终取得了良好的经验和工作成果。但是,其小额贷款风险管理仍存在问题,并在一定程度上制约了小额贷款业务的可持续发展。如何解决小额贷款风险管理问题成为了发展小额贷款业务的关键。本文针对邮政储蓄银行在宁波地区小额贷款风险管控展开研究,重点对邮政储蓄银行小额贷款风险管控中存在的问题、产生的原因以及管控措施等方面进行了深入探索和研究。本文认为邮政储蓄银行小额贷款风险产生的原因是多方面的,主要因素为债权债务关系、内部风险管理能力不足、内部控制未有效执行、政府行政干预、信用环境、法制建设不到位等等。最后,文章就邮政储蓄银行小额贷款风险的管控,提出了相应的措施及政策建议。
[Abstract]:Microcredit is a credit service for vulnerable groups such as the poor, small and micro enterprises, which aims to provide financial services to the poor, and to help solve the problem of farmers' loans and to support the production and operation of businesses. Great contributions have been made to promote the development of the national economy. Therefore, how to provide basic financial services to the vast number of microfinance customers is a challenge that other governments have been facing, and it is also a problem that must be solved in the social and economic development of our country. Since it started its business in 2005, the Postal savings Bank has made clear the market position under the premise of the system reform, and completed the strategic transformation through the active development of small loans, and finally obtained good experience and work results. However, there are still some problems in the risk management of microfinance, which restricts the sustainable development of microfinance to some extent. How to solve the problem of microfinance risk management has become the key to the development of microfinance business. This paper focuses on the research on the risk control of micro-loan in Ningbo area, focusing on the problems, causes and control measures of micro-credit risk management in the postal savings bank. This paper holds that there are many reasons for the risk of micro-loan in Postal savings Bank. The main factors are the relationship between creditor's rights and debts, insufficient internal risk management ability, ineffective implementation of internal control, government administrative intervention, credit environment, etc. The construction of the legal system is not in place and so on. Finally, the paper puts forward the corresponding measures and policy suggestions on the risk control of small loans in postal savings bank.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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