辽宁邮政储蓄银行营口分行小额信贷业务调查分析

辽宁邮政储蓄银行营口分行小额信贷业务调查分析摘要随着社会经济的飞速发展，国家也越来越注重农村经济的发展，相关部门及社会公众对农村金融发展环境的要求也在不断提高。众所周知，资金是发展经济的基础和根本，每个乡镇几乎都能看到中国邮政储蓄银行的身影，在服务三农过程中，中国邮政储蓄银行起着至关重要的作用，基于此，中国邮政储蓄银行应该积极创新，继续拓展小额贷款业务，以此来解决农村逐渐增加的资金缺口问题，同时，还能促进中国邮政储蓄银行的壮大和发展，这是中国邮政储蓄银行未来发展的必然趋势。中国邮政储蓄银行开展农村小额信贷业务，使广大农村地区服务的农村客户数量和金融支持金额得到稳步上升。但其缺乏商业管理方面的小额信贷管理专业经验。本文以辽宁邮政储蓄银行营口分行小额信贷业务为调查对象。首先回顾了有关小额贷款业务发展意义、存在问题、业务创新等相关文献，并对文献进行评述。通过相关数据研究邮政储蓄银行营口分行的农户小额信贷业务，结合农户调查问卷进行分类研判，探讨解决问题的办法。最后，根据分析得出的结果，提出邮政储蓄银行营口分行发展农户小额贷款的对策建议，包括创新产品种类、开辟新型市场、提升信贷队伍能力、强化小额贷款风险管理、加强贷款业务与需求的匹配性。为完善邮政储蓄银行营口分行农户小额贷款业务发展存在的问题提供借鉴，有利于帮助邮政银行在服务好农户个人融资需求，丰富贷款产品的种类，创造更好发展前景，在助农业务方面开拓更广阔的市场，以创新产品和服务为主要任务，并助力邮政储蓄银行营口分行小额信贷业的顺利发展。关键词：小额信贷：产品创新：风险管理AbstractWith the rapid development of social economy,the country is also paying more andmore attention to the development of rural economy,and the requirements of relevantdepartments and the public for the rural financial development environment are alsoconstantly improving.As is known to all,capital is the foundation of economic development,almost every township can see the postal savings bank of China,in the process of servicethree rural areas,postal savings bank of China plays a vital role,based on this,the postalsavings bank of China should actively innovation,continue to expand microfinance business,to solve the problem of rural increasing funding gap,at the same time,also can promote thegrowth and development of the postal savings bank of China,this is the inevitable trend offuture development of postal savings bank of China.The Postal Savings Bank of China hascarried out rural microcredit business,steadily increasing the number of rural customers andfinancial support provided in the vast rural areas.This paper takes the microfinance business of Yingkou Branch of Liaoning PostalSavings Bank.First,we review the development significance,existing problems and businessinnovation of small loan business,and reviewed the literature.Through relevant data,thefarmers 'microcredit business of Yingkou Branch of Postal Savings Bank was studied,and thefarmers'questionnaire was classified and judged,and the solutions to the problems werediscussed.Finally,according to the results obtained from the analysis,it puts forward thecountermeasures and suggestions to develop small loans for farmers,including innovatingproduct types,opening up new markets,improving the ability of credit team,strengtheningthe risk management of small loans,and strengthening the matching between loan businessand demand.To improve the postal savings bank Yingkou branch farmers provide reference inthe problems of microfinance business development,to help the postal bank in good farmerspersonal financing needs,rich types of loan products,create better development prospects,inhelping agriculture to develop a broader market,to innovative products and services as themain task,and help the postal savings bank Yingkou branch of the microfinance industry.Keywords:Microcredit;Product innovation;Risk management目录摘要。Abstract.…绪论1小额信贷业务概述21.1