【摘要】：小額貸款是面向貧困人口、小微企業(yè)等弱勢群體的一種信貸服務(wù),旨在面向貧困人口提供金融服務(wù),并為解決農(nóng)戶貸款難題、支持商戶生產(chǎn)經(jīng)營、促進(jìn)國民經(jīng)濟(jì)發(fā)展作出了巨大的貢獻(xiàn)。因此,如何向廣大的小額貸款客戶提供基礎(chǔ)金融服務(wù)是其他各國政府一直面臨的挑戰(zhàn),也是我國當(dāng)今社會經(jīng)濟(jì)發(fā)展中必須要解決的問題。自2005年開辦業(yè)務(wù)以來,郵政儲蓄銀行在體制改革不斷深入的前提下,明確了市場定位,并通過積極發(fā)展小額貸款完成戰(zhàn)略轉(zhuǎn)型,最終取得了良好的經(jīng)驗(yàn)和工作成果。但是,其小額貸款風(fēng)險管理仍存在問題,并在一定程度上制約了小額貸款業(yè)務(wù)的可持續(xù)發(fā)展。如何解決小額貸款風(fēng)險管理問題成為了發(fā)展小額貸款業(yè)務(wù)的關(guān)鍵。 本文針對郵政儲蓄銀行在寧波地區(qū)小額貸款風(fēng)險管控展開研究,重點(diǎn)對郵政儲蓄銀行小額貸款風(fēng)險管控中存在的問題、產(chǎn)生的原因以及管控措施等方面進(jìn)行了深入探索和研究。本文認(rèn)為郵政儲蓄銀行小額貸款風(fēng)險產(chǎn)生的原因是多方面的,主要因素為債權(quán)債務(wù)關(guān)系、內(nèi)部風(fēng)險管理能力不足、內(nèi)部控制未有效執(zhí)行、政府行政干預(yù)、信用環(huán)境、法制建設(shè)不到位等等。最后,文章就郵政儲蓄銀行小額貸款風(fēng)險的管控,提出了相應(yīng)的措施及政策建議。
[Abstract]:Microcredit is a credit service for vulnerable groups such as the poor, small and micro enterprises, which aims to provide financial services to the poor, and to help solve the problem of farmers' loans and to support the production and operation of businesses. Great contributions have been made to promote the development of the national economy. Therefore, how to provide basic financial services to the vast number of microfinance customers is a challenge that other governments have been facing, and it is also a problem that must be solved in the social and economic development of our country. Since it started its business in 2005, the Postal savings Bank has made clear the market position under the premise of the system reform, and completed the strategic transformation through the active development of small loans, and finally obtained good experience and work results. However, there are still some problems in the risk management of microfinance, which restricts the sustainable development of microfinance to some extent. How to solve the problem of microfinance risk management has become the key to the development of microfinance business. This paper focuses on the research on the risk control of micro-loan in Ningbo area, focusing on the problems, causes and control measures of micro-credit risk management in the postal savings bank. This paper holds that there are many reasons for the risk of micro-loan in Postal savings Bank. The main factors are the relationship between creditor's rights and debts, insufficient internal risk management ability, ineffective implementation of internal control, government administrative intervention, credit environment, etc. The construction of the legal system is not in place and so on. Finally, the paper puts forward the corresponding measures and policy suggestions on the risk control of small loans in postal savings bank.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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本文編號：2390345