【摘要】：2007年3月,主要面向廣大農(nóng)村地區(qū)提供金融服務(wù)的中國郵政儲蓄銀行成立。它的成立和發(fā)展為資金回流農(nóng)村提供了一個長效機(jī)制,對緩解我國城鄉(xiāng)經(jīng)濟(jì)發(fā)展不平衡有重要意義。2007年6月郵儲銀行開通了小額貸款業(yè)務(wù),標(biāo)志著郵儲銀行服務(wù)農(nóng)村金融市場進(jìn)入到一個新的階段,這不僅可以有效緩解商業(yè)銀行的流動性過剩,還可以解決城鎮(zhèn)就業(yè)人員和農(nóng)民貸款難的問題。2007年12月,中國郵政儲蓄銀行鄭州分行成立。六年以來,鄭州分行累計發(fā)放小額貸款約36億元,80%以上的貸款發(fā)放到縣及縣以下的農(nóng)村地區(qū),業(yè)務(wù)量居中部六省省會第一位。 本文立足于鄭州地區(qū),采用定性分析和定量分析相結(jié)合的研究方法,對中國郵政儲蓄銀行小額貸款業(yè)務(wù)發(fā)展的現(xiàn)狀、效益和存在的問題進(jìn)行探究,并提出相應(yīng)的改進(jìn)建議。首先界定小額貸款和效益評價的概念。其次從定性的角度分析郵儲鄭州分行小額貸款業(yè)務(wù)的發(fā)展情況,主要從目標(biāo)群體、貸款額度、貸款期限、還款方式、運作流程等方面介紹小額貸款業(yè)務(wù),并從中分析出郵儲鄭州分行小額貸款業(yè)務(wù)具有產(chǎn)品標(biāo)準(zhǔn)、聯(lián)保貸款、分期還款、動態(tài)激勵、交叉檢驗等特色。再次,從定量的角度對郵儲鄭州分行小額貸款業(yè)務(wù)進(jìn)行經(jīng)濟(jì)效益和社會效益評價,結(jié)論是開展小額貸款業(yè)務(wù)不僅滿足了扶貧的要求,還實現(xiàn)了自身的盈利,具有商業(yè)可持續(xù)發(fā)展的特點。然而,郵儲鄭州分行小額貸款業(yè)務(wù)的發(fā)展過程中還存在著產(chǎn)品不靈活、信用信息不充分、貸款渠道單一、代理影響效率提升、風(fēng)險管理水平不高的問題。最后,針對分析出的問題,建議郵儲鄭州分行小額貸款業(yè)務(wù)在普惠金融的原則下,向?qū)I(yè)化、精細(xì)化發(fā)展,集中力量將小額貸款打造成郵儲銀行的優(yōu)勢業(yè)務(wù)。
[Abstract]:In March 2007, China Post savings Bank, which mainly provided financial services to rural areas, was established. Its establishment and development provide a long-term mechanism for the return of funds to rural areas, which is of great significance to alleviate the imbalance between urban and rural economic development. In June 2007, the Postal savings Bank opened a small loan business. The postal savings bank has entered a new stage in serving the rural financial market, which can not only effectively alleviate the excess liquidity of commercial banks, but also solve the problem of difficult loans for urban employees and farmers. Postal savings Bank of China Zhengzhou Branch established. In the past six years, Zhengzhou Branch has issued about 3.6 billion yuan of small loans, more than 80% of the loans have been issued to rural areas under county and county level, ranking first in the provincial capitals of six central provinces in terms of business volume. This paper, based on Zhengzhou area, adopts the research method of combining qualitative analysis and quantitative analysis to probe into the present situation, benefits and existing problems of the development of micro-loan business of China Postal savings Bank, and puts forward corresponding suggestions for improvement. First, define the concept of small loans and benefit evaluation. Secondly, it analyzes the development of micro-loan business in Zhengzhou branch of postal savings from a qualitative point of view. It mainly introduces micro-loan business from the aspects of target group, loan quota, loan term, repayment method, operation process, etc. It is analyzed that the micro-loan business of Zhengzhou Postal savings Branch has the characteristics of product standard, UNPROFOR loan, installment repayment, dynamic incentive, cross check and so on. Thirdly, from the quantitative point of view, the paper evaluates the economic and social benefits of the micro-credit business in Zhengzhou branch of postal savings. The conclusion is that the micro-credit business not only meets the requirements of poverty alleviation, but also realizes its own profit. Has the commercial sustainable development characteristic. However, there are still some problems such as inflexibility of product, insufficient credit information, single loan channel, high efficiency of agency influence and low level of risk management in the development of micro-loan business in Zhengzhou Branch of Postal savings. Finally, in view of the analysis of the problems, it is suggested that the micro-loan business of the Postal savings Zhengzhou Branch should be specialized and refined under the principle of inclusive Finance, and concentrate its efforts on making micro-loans into the superior business of the Postal savings Bank.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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