本文選題：郵儲銀行　切入點(diǎn)：農(nóng)村小額信貸　出處：《信陽師范學(xué)院》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：2007年3月,立足于服務(wù)社區(qū)、服務(wù)中小企業(yè)、服務(wù)“三農(nóng)”的中國郵政儲蓄銀行成立。其一直秉承著普惠金融理念前行,為使每個人都能享受平等的金融權(quán)利而努力。2007年6月郵儲銀行開辦了農(nóng)村小額信款業(yè)務(wù),經(jīng)過10年的時間,農(nóng)村小額信款業(yè)務(wù)取得了不錯的成績,以資金回流農(nóng)村的政策導(dǎo)向,切實(shí)服務(wù)了“三農(nóng)”,為廣大農(nóng)村地區(qū)提供了金融服務(wù),在一定程度上也緩解了農(nóng)村金融市場資金供需不平衡的問題。雖然郵儲銀行發(fā)展前景客觀,但也存在不少問題:發(fā)展速度放緩的業(yè)務(wù)、持續(xù)增加的不良貸款率、逐漸下滑的資產(chǎn)質(zhì)量等都制約著郵儲銀行農(nóng)村小額信貸業(yè)務(wù)的可持續(xù)發(fā)展。基于此,本文首先在分析國內(nèi)外文獻(xiàn)的基礎(chǔ)上,闡述了中國郵儲銀行、農(nóng)村小額信貸的基本情況,并介紹與其相關(guān)的理論基礎(chǔ);其次對南陽市郵儲銀行農(nóng)村小額信貸進(jìn)行了業(yè)務(wù)開展情況分析和SOWT分析,明確南陽市郵儲銀行農(nóng)村小額信貸業(yè)務(wù)發(fā)展現(xiàn)狀;再次分析南陽市郵儲銀行農(nóng)村小額信貸業(yè)務(wù)存在的問題,是以南陽市A縣支行為例,分別通過問卷調(diào)查法了解農(nóng)戶對郵儲銀行農(nóng)村小額信貸業(yè)務(wù)的滿意情況,和實(shí)地訪談法分析農(nóng)村小額信貸業(yè)務(wù)的具體問題及原因,進(jìn)而引申出制約農(nóng)村小額信貸業(yè)務(wù)可持續(xù)發(fā)展的因素,包括:信用評估體系不健全、員工素質(zhì)低、產(chǎn)品設(shè)計不能夠滿足現(xiàn)實(shí)需求、宏觀政策支持不到位;接著研究比較國內(nèi)外小額信貸發(fā)展經(jīng)驗(yàn),探討其對郵儲銀行農(nóng)村小額信貸業(yè)務(wù)的經(jīng)驗(yàn)啟示;最后,本文根據(jù)以上的分析,結(jié)合南陽市的實(shí)際情況,提出了促進(jìn)南陽市郵儲銀行農(nóng)村小額信貸業(yè)務(wù)良性發(fā)展的對策和建議,具體來說,第一是建立以數(shù)據(jù)庫為基礎(chǔ)的信用評級體系,第二是不斷完善農(nóng)村小額信貸利率定價模式,第三是提升員工綜合素質(zhì),加強(qiáng)信貸隊伍建設(shè),第四是增加對產(chǎn)品創(chuàng)新和研發(fā)的投入,第五加大政府支持力度,創(chuàng)造良好的金融環(huán)境等。力求緩解制約郵儲銀行農(nóng)村小額信貸業(yè)務(wù)發(fā)展的問題,使其在同行中更具有競爭力。
[Abstract]:In March 2007, the China Post savings Bank, which is based on serving the community, serving the small and medium-sized enterprises, and serving the "three rural areas", was established. In June 2007, the Postal savings Bank opened the rural micro-credit business. After 10 years, the rural micro-credit business has achieved good results, with the return of funds to the rural policy direction. It has effectively served the "three rural areas", provided financial services to the vast rural areas, and to a certain extent alleviated the imbalance between the supply and demand of funds in the rural financial market. Although the postal savings bank has objective prospects for development, However, there are still many problems: the slow development of business, the increasing non-performing loan ratio, the declining asset quality and so on all restrict the sustainable development of the rural micro-credit business of the Postal savings Bank. Firstly, based on the analysis of domestic and foreign literature, this paper expounds the basic situation of China Postal savings Bank and rural micro-credit, and introduces the relevant theoretical basis. Secondly, this paper analyzes the development of rural micro-credit business of Nanyang Postal savings Bank and SOWT analysis, and clarifies the current situation of rural micro-credit business development of Nanyang Postal savings Bank. Again, this paper analyzes the problems existing in the rural micro-credit business of Nanyang Postal savings Bank. Taking the Nanyang A County Sub-Branch as an example, we find out the farmers' satisfaction with the rural micro-credit business of the Postal savings Bank by means of a questionnaire survey. And field interviews to analyze the specific problems and causes of rural microfinance business, and then derive the constraints of rural microfinance business sustainable development factors, including: the credit evaluation system is not perfect, the quality of staff is low, Product design can not meet the actual needs, macro policy support is not in place; then the comparative study of domestic and foreign microfinance development experience, to explore its experience in postal savings bank rural microfinance business enlightenment; finally, this paper based on the above analysis, According to the actual situation of Nanyang City, this paper puts forward the countermeasures and suggestions to promote the benign development of rural micro-credit business of Nanyang Postal savings Bank. Specifically, the first is to establish a database based credit rating system. The second is to continuously improve the pricing model of rural microcredit interest rates, the third is to improve the comprehensive quality of employees and strengthen the construction of credit teams, 4th is to increase investment in product innovation and research and development, and 5th to increase government support. To create a good financial environment, and strive to alleviate the constraints on the development of postal savings bank rural microfinance business, making it more competitive in the peer.
【學(xué)位授予單位】：信陽師范學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43;F618.3

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本文編號：1559882