發(fā)布時間：2018-03-19 12:19

  本文選題：郵政儲蓄銀行　切入點：小額貸款業(yè)務　出處：《遼寧大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,中國的經(jīng)濟在不斷的高速發(fā)展中,國家和政府也不斷提高了對農(nóng)村經(jīng)濟發(fā)展的重視程度,我國農(nóng)村人口的生活水平有了顯著的提高,農(nóng)村經(jīng)濟規(guī)模已經(jīng)取得大幅度的進步。與此同時,社會公眾和國家政府對農(nóng)村整體的金融發(fā)展環(huán)境提出了越來越高層次的要求。而農(nóng)村經(jīng)濟的發(fā)展不能離開資金的支撐,中國郵政儲蓄銀行網(wǎng)點遍布城鄉(xiāng),肩負著服務三農(nóng)的重任,在這樣的大環(huán)境下,爭取不斷的發(fā)展、創(chuàng)新小額貸款業(yè)務,以滿足農(nóng)村日益增長的資金需求的趨勢勢不可擋,這也是郵儲銀行繼續(xù)創(chuàng)新發(fā)展的必經(jīng)之路。中國郵政儲蓄銀行自開辦農(nóng)村小額信貸業(yè)務以來,服務的農(nóng)村客戶數(shù)量與提供給廣大農(nóng)村地區(qū)的資金支持量一直穩(wěn)步上升。但是與其他國有銀行和農(nóng)村信用社等同業(yè)相比,起步相對較晚,產(chǎn)品適應性和合理性還有一定的提升空間,在業(yè)務管理上也比較缺乏專業(yè)的小額信貸管理經(jīng)驗。小額貸款業(yè)務是郵儲銀行“服務三農(nóng)”活動的重要措施之一。一方面,開辦農(nóng)戶小額貸款業(yè)務順應了廣大中小農(nóng)商戶以及中低收入人群的意愿,符合農(nóng)村經(jīng)濟市場的資金需求,在實現(xiàn)服務大眾的同時,也完成了自身的金融產(chǎn)品創(chuàng)新,為郵政儲蓄銀行的快速發(fā)展帶來了新的機遇,戰(zhàn)略意義十分深遠;另一方面,開辦農(nóng)戶小額貸款業(yè)務拓寬了農(nóng)村居民的融資渠道,極大地增加了農(nóng)戶的融資便利,這使得日益嚴重的農(nóng)村融資矛盾可以得到有效的化解,也具有十分重要的政治意義。L區(qū)是國家級現(xiàn)代農(nóng)業(yè)示范區(qū),位于遼寧省中部,距省會沈陽僅53公里,占地面積1460平方公里,總?cè)丝?47萬人。全區(qū)共有15個鎮(zhèn)、2個街道,184個行政村。耕地面積130萬畝,盛產(chǎn)水稻、玉米。糧食年產(chǎn)量50萬噸,果蔬年產(chǎn)量20萬噸,淡水魚養(yǎng)殖水面8萬畝,肉牛年飼養(yǎng)量12萬頭。地方政府圍繞“鯽魚”、“黃�！眱纱蟮乩順酥局鲗Мa(chǎn)業(yè),積極打造兩大基地建設(shè)。形成了農(nóng)業(yè)與養(yǎng)殖業(yè)有機結(jié)合的、可持續(xù)發(fā)展的產(chǎn)業(yè)格局。為了更好地扶持L區(qū)的地方農(nóng)村經(jīng)濟,響應國家服務三農(nóng)的要求,郵儲銀行沈陽L支行推出了小額貸款業(yè)務,多年來有效的扶持了 L區(qū)當?shù)剞r(nóng)戶尤其是從事養(yǎng)殖業(yè)農(nóng)戶的生產(chǎn)發(fā)展。為了更好的研究L支行小額貸款業(yè)務的發(fā)展現(xiàn)狀,本調(diào)研報告通過對該支行業(yè)務進行實地調(diào)研的方式了解了支行發(fā)放小額貸款的具體情況。同時,采用隨機方式向225名到銀行辦理小額貸款業(yè)務的農(nóng)戶發(fā)放調(diào)查問卷,問卷內(nèi)容包括農(nóng)戶的基本自然信息、對于小額貸款的需求特點以及對L支行貸款業(yè)務現(xiàn)狀的滿意程度。通過對兩部分調(diào)研數(shù)據(jù)的整理和匯總、借鑒了相關(guān)文獻以及學習其他小額信貸業(yè)務發(fā)展快速地區(qū)的創(chuàng)新理念,探討了目前L支行小額貸款業(yè)務現(xiàn)實存在的諸多問題,為改善現(xiàn)存問題提出了解決對策,從而促進L支行小額貸款業(yè)務可持續(xù)向前發(fā)展。本調(diào)研報告結(jié)構(gòu)如下:第一部分為緒論。緒論介紹了本調(diào)研報告的研究背景、研究意義,概述了調(diào)研報告的研究內(nèi)容與方法,并指出了本調(diào)研報告的創(chuàng)新與不足之處。第二部分主要從郵儲銀行沈陽L支行的簡介,L區(qū)的產(chǎn)業(yè)特色以及支行現(xiàn)有的六種小額信貸業(yè)務類型三個方面對郵儲銀行沈陽L支行小額貸款業(yè)務進行概述。第三部分詳細介紹了調(diào)研開展的過程。調(diào)研的主要步驟包括調(diào)研問卷的設(shè)計與內(nèi)容,調(diào)研問卷的發(fā)放與收回,并在回收問卷后,對采集到的信息從客戶的基本狀況、貸款信息和客戶滿意度三個角度進行分析,意在通過分析發(fā)現(xiàn)業(yè)務現(xiàn)存的問題。第四部分主要是分析結(jié)果。這部分闡述了郵政儲蓄銀行沈陽L支行小額貸款業(yè)務所具備的優(yōu)勢,并對小額貸款業(yè)務存在的問題及原因進行了分析。第五部分針對小額貸款業(yè)務存在的問題,提出了完善的對策。
[Abstract]:In recent years, the rapid development of economy in Chinese constantly, the state and the government also increasing emphasis on the development of rural economy, the rural population of our country's standard of living has been significantly improved, the rural economy has made great progress. At the same time, the public and the government put forward more and more high the requirements for the overall level of rural financial development environment. The development of rural economy cannot leave the support of funds, Chinese postal savings bank outlets throughout the city, shouldering the rural services, in this environment, for the development of innovative small business loans, to meet the growing demand of rural capital trends this is the postal savings bank to continue a trend which cannot be halted, the only way which must be passed to innovation and development. Since China postal savings bank since the start of the rural microfinance business, the number of services for the rural customers And to provide financial support in rural areas has been steadily increasing. But compared with other state-owned banks and rural credit cooperatives industry started relatively late, the product adaptability and rationality has certain promotion space, in the management of the business is relatively small, lack of credit management. Professional experience in small business loans is one of the important measures of postal savings the bank "three rural service" activities. On the one hand, offer small loans to farmers with small and medium-sized commercial business households and willingness of low-income groups, meet the market demand for funds in the rural economy, in the realization of the public service at the same time, also completed the innovation of financial products, has brought new opportunities for the rapid development of the postal savings bank the profound strategic significance; on the other hand, offering farmers microfinance business to broaden the financing channels for rural residents, greatly increased the agricultural The financing convenience, which makes the rural financing problem increasingly serious can be effectively resolved, also has a.L region of political significance is a national modern agriculture demonstration zone, located in central Liaoning Province, only 53 kilometers from the provincial capital Shenyang, covers an area of 1460 square kilometers, the total population of 470 thousand people. There were altogether 15 Town, 2 street, 184 administrative villages. 1 million 300 thousand acres of arable land, rich rice, corn grain. The annual output of 500 thousand tons, annual output of 200 thousand tons of fruits and vegetables, freshwater fish farming 80 thousand acres of water, beef cattle feeding capacity of 120 thousand head. The local government around the "carp", "cattle" two geographical indications leading industry. Actively build the construction of the two bases. The formation of agricultural and organic combination of industry, industrial pattern of sustainable development of local rural economy. In order to better support L, in response to the national rural services, the Postal Savings Bank of Shenyang branch launched L Small business loans over the years, effective support L local farmers especially the production and development of farmers engaged in farming. In order to better study the development situation of L branch of small business loans, the survey report to understand the specific circumstances of small loans through the on-the-spot investigation of the branch business. At the same time, uses the stochastic method for small business loans to banks to 225 household questionnaires, the questionnaire included basic information of natural farmers, demand characteristics for small loans and satisfaction of L branch loan business situation. The two part of the survey data collation and summary, draw lessons from the relevant literature and learning other microfinance business development fast regional innovation concept, discusses the problems of the L branch of the microfinance business reality, in order to improve the existing problems and puts forward the The solution, so as to promote the L branch of microfinance sustainable development. This research report the following structure: the first part is introduction. The introduction introduces the research background, the Research Report of the research significance, research content and method of investigation report outlines, and pointed out the innovation and shortcomings of this research. The second part of the main report from the postal savings bank of Shenyang branch of L, the three aspects of the industry characteristics and the L branch of the existing six types of microfinance business overview of Shenyang L branch of the postal savings bank microfinance business. The third part introduces the process of research. The main research contents include the steps of design and survey questionnaire, questionnaire survey the distribution and recovery, and the recovery of the questionnaire, the collected information from the basic status of customers, analyze the three aspects of loan information and customer satisfaction in the Business analysis found that the existing problems. The fourth part is the analysis of the results. This part of the small loan business of Postal Savings Bank of Shenyang branch of L has the advantage, and the existence of small business loans and the reasons for the problems are analyzed. The fifth part is the existing problems for the microfinance industry, puts forward the countermeasures.

【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F618.3

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