邮政储蓄银行中江县分行小额贷款业务存在的问题及对策分析

邮政储蓄银行中江县分行小额贷款业务存在的问题及对策分析摘要经过了20来年的发展，小额贷款己成了全世界发展的趋势。这表明了，小额贷款在世界各地的社会经济中起到了关键功效，也发挥了较好的实际效果。中国正处在经济发展、社会转型升级的历程中，微小企业和乡村地域资金短缺问题迄今仍是一个急需解决的问题，作为可以适当减轻股权融资艰难局势，乃至可以处理这一问题的小额贷款在发展上也是困难重重。在如此经济发展及运营环境下，顾客的借款要求逐渐提高，应对宽阔的行业市场室内空间，发展潜力极大的小额贷款的金融体系，大部分银行业不敢进军。因而，研究这一问题对推动微小企业的发展，处理资金短缺的问题，具备一定的价值。2005年12月9日，邮政储蓄银行小额信贷试点启动并且逐步实施部分存单质押贷款、单户财产抵押贷款、小组联保贷款、小组不联保贷款等多项业务。邮政储蓄将在为农村居民和城镇中低收入居民提供金融服务方面发挥作用，同时发展小额信贷作为重要的战略方向和盈利的产品线，今后还将建立小额保险、小额租赁等业务，以服务三农为标准，方便资金回流农村。随着邮政储蓄信贷功能的增强，与农村信用社在服务领域和服务对象上存在重叠，两者之间的竞争已成为不争的事实。本文以小额信贷理论为基础，通过发展邮政储蓄银行小额信贷、管理和问题进行分析，借鉴国外银行发展小额信贷的经验，在此基础上，找出邮政储蓄银行小额信贷业务发展、管理和创新的不足，并提出具体的防范措施。关键词：邮政储蓄银行；农村金融业务；小额贷款AbstractAfter 20 years of development,microfinance has become the trend ofdevelopment all over the world.This shows that microfinance has a key role to play insocial economies around the world,as well as a better practical effect.China is in theprocess of economic development and social transformation and upgrading.So far,the shortage of funds for small enterprises and rural areas is still an urgent problem tobe solved.As a small loan that can properly alleviate the difficult situation of equityfinancing and even deal with this problem,it is also faced with difficulties in thedevelopment.In such a natural environment of economic development and operation,the borrowing requirements of customers are gradually increasing.In response to thewide indoor space of the industry market and the development of the financial systemwith great potential for small loans,most banks dare not enter.Therefore,the study ofthis issue has certain research and application value to promote the development ofsmall enterprises and deal with the problem of capital shortage.On December 9,2005,the micro credit pilot of postal savings bank was launchedand gradually implemented a number of businesses,such as partial certificate ofdeposit pledge loans,single household property mortgage loans,group jointlyguaranteed loans,group non jointly guaranteed loans and so on.Postal savings willplay a role in providing financial services for rural residents and low-income urbanresidents.At the same time,the development of microfinance as an important strategicdirection and profitable product line will also establish micro insurance,micro leasingand other businesses in the future,taking serving agriculture,rural areas and farmersas the standard to facilitate the return of funds to the countryside.With theenhancement of the function of postal savings and credit,there is overlap with ruralcredit cooperatives in the service field and service object,and the competitionbetween the two has become an indisputable fact.Based on the relevant theories of small loans,this paper analyzes thedevelopment,management and problems of small loans of PSBC,and combines theexperience of foreign banks in developing small loans,so as to find the deficiencies inthe development,management and innovation of small loans of PSBC,and putsforward specific preventive measures.Keywords:Postal Savings Ban