邮政储蓄银行小额贷款业务发展对策研究讲义.doc

摘 要 20 世纪 90 年代以来，中小企业呈现出了良好发展势头，得到了快速的发展，数量逐年增加，作用日益凸现。对一部分具有发展潜力的中小企业适度提供贷款，帮助、支持其发展，培育未来的优良客户应当成为邮政储蓄银行的一项重要战略举措。在国家政策扶持中小企业发展、其盈利能力与经济实力不断增强的情况下，着力开拓中小企业信贷市场对邮政储蓄银行拓展信贷业务显得尤为必要。 本文从邮政储蓄银行的角度，首先对邮政储蓄银行小额贷款现状现状进行了描述，即存在中小企业融资和城镇人员、农民贷款 “贷款成本高、贷款风险大”的特点，并对此展开了探讨。 然后，对中小企业融资和城镇人员、农民贷款资金需求具有“短、频、快”的共同特征与邮政储蓄银行小额贷款业务的可行性进行研究，进而引申出邮政储蓄银行开拓小额贷款业务这一市场所面临的两大难题：邮政储蓄银行小额贷款业务发展中存在的问题及业务发展对策。 最后就如何建立一种相对安全的小额贷款业务风险防范机制进行了探讨、研究，并提出了相应的理论观点。为邮政储蓄银行小额贷款业务有效的推广，献言献策。 关键词：小额贷款；业务发展；风险防范机制 ABSTRACT Since the 1990s, small and medium showing a good momentum of development has been rapid development, the number increases every year, highlights the growing role. On the part of the development potential of SMEs to provide a modest loans to help support their development, promote good customer should be the future of the postal savings bank is an important strategic move. At the national policy to support SME development, profitability and economic strength of the case, efforts to develop SME credit market for postal savings banks to expand credit is particularly necessary. This point of view from the Postal Savings Bank. First Microfinance Bank of the status of postal savings described the current situation, that there is financing for SMEs and urban workers, farmers loans to high cost loans, loan risk characteristics, and have launched an discussed.  Then, the financing for SMEs and urban workers, farmers demand loan with a short, frequent, quick, the common features of small loans and business postal savings bank feasibility) study further pointed out that a small loan to open up postal savings bank business in this market faces two major problems: lending interest rates and credit risk control issues.  Finally, on how to determine the appropriate interest rate, how to establish a relatively secure small loans business risk prevention mechanism discussed, studied, and the corresponding theoretical point of view. For the Postal Savings Bank to promote m