中国邮政储蓄银行甘肃分行零售不良贷款成因及防范研究

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作者	宋亚萍
姓名汉语拼音	song yaping
学号	2017000011427
培养单位	兰州财经大学
电话	15109435983
电子邮件	383601490@qq.com
入学年份	2017
学位类别	专业硕士
培养级别	硕士研究生
学科门类	管理学
一级学科名称	工商管理硕士(MBA)
学科代码	1251
授予学位	管理学硕士
第一导师姓名	邢铭强
第一导师姓名汉语拼音	xing mingqiang
第一导师单位	兰州财经大学
第一导师职称	副教授
题名	中国邮政储蓄银行甘肃分行零售不良贷款成因及防范研究
英文题名	Study on the causes and prevention of non-performing loans in retail of Postal Savings Bank of China Gansu branch
关键词	中国邮政储蓄银行甘肃分行零售业务不良贷款成因防范
外文关键词	Postal Savings Bank of China branch ; Retail business ; Non performing loans ; Causes ; Prevention
摘要	中国邮政储蓄银行成立于2007年，2016年9月28日在港交所H股上市，2019年10月回归A股；以服务社区、服务中小企业、服务“三农”为战略定位。受经营环境与自身因素影响，中国邮政储蓄银行甘肃分行存在业务发展较为落后、不良资产占比较高的情况。截至2019年底，中国邮政储蓄银行甘肃分行零售贷款结余283.76亿元，其中不良贷款结余10.62亿元，不良率3.74%；其不良贷款的特征主要表现为：经营性贷款整体不良率较高、还款方式为等额本息、担保方式为抵押的产品不良率较高、新产品普遍不良率较高、农林牧渔、零售行业的贷款不良率较高、农户联保不良贷款率最高。中国邮政储蓄银行甘肃分行零售贷款不良贷款的成因主要为外部因素和内部因素。外部因素主要包括：宏观经济政策的影响、农村地区风险抵御能力较弱、甘肃偏远地区客群法律意识淡薄信贷资金用途监管难度大。内部因素主要包括：产品方面存在产品结构不合理、产品的期限还款方式匹配不合理、新产品推广比较盲目的问题；流程方面存在贷款调查、风险审核手段单一，贷后管理流程流于形式的问题；人员方面存在客户经理队伍素质有待提高，人员管理不到，存在部分不良贷款的产生源于员工的道德风险的问题；行内政策机制方面存在人员轮岗政策导致客户经理队伍不够稳定，绩效奖励导向有偏差、队伍建设，管理机制不健全，经营管理存在缺陷的问题。中国邮政储蓄银行甘肃分行零售不良贷款的防范需要从外因、内因两个方面着手。外因方面需要加强宏观政策研究，拓宽合作渠道以关注系统性风险；选择信用度高的目标客群。内因方面需要关注产品方面、流程方面和人员方面。产品方面需要加强产品结构调整，加强线上产品研发和推广，倾斜低风险业务；重视产品要素调整，使之适应市场环境；严格制定新产品推广流程；提升利用科技手段防范风险的能力。流程方面需要优化业务流程，防范核心风险；加快信贷工厂上线速度，实现流程化作业；强化贷后管理。人员方面需要强化信贷队伍建设，提高信贷人员素质；合理制定人员轮岗政策，确保客户经理队伍基本稳定；制定合理的绩效激励政策；加强人员管理，建立退出准入机制。中国邮政储蓄银行甘肃分行零售不良贷款防范措施的实施还需要从加强宏观政策执行力；坚持定位，依托产业优化产品；完善合规机制和管理流程；实行阶梯式分层管理，强化队伍能力建设等方面予以保障。关键词：中国邮政储蓄银行甘肃分行零售业务不良贷款成因防范
英文摘要	Postal Savings Bank of China was established in 2007, listed on the Hong Kong Stock Exchange h shares on September 28,2016, and returned to a shares in October 2019. Affected by the operating environment and its own factors, Postal Savings Bank of China has a relatively backward business development and high proportion of non-performing assets. By the end of 2019, the retail loan balance of the Postal Savings Bank of China branch was 28.376 billion yuan, of which the non performing loan balance was 1.062 billion yuan, with a non performing rate of 3.74% The characteristics of non-performing loans are as follows: The overall non-performing rate of operating loans is higher, the repayment way is equal principal and interest, the guarantee way is the pledge way is the product non-performing rate is higher, the new product general non-performing rate is higher, the agriculture, forestry, animal husbandry and fishery, the retail trade's loan non-performing rate is higher, the peasant household joint insurance non-performing loan rate is highest. The causes of non performing loans in retail loans of Postal Savings Bank of China branch are mainly external and internal factors. The external factors mainly include: the influence of macroeconomic policy, the weak ability to resist risks in rural areas, the weak legal consciousness of Gansu's remote areas, the difficulty of credit funds supervision. The internal factors mainly include: the product structure is unreasonable, the product deadline repayment way matching is unreasonable, the new product promotion is relatively blind question; the process aspect exists the loan investigation, the risk examination method is unitary, in the aspect of personnel, the quality of the customer manager team needs to be improved, the personnel can not be managed, and some non-performing loans arise from the moral hazard of employees In the aspect of internal policy mechanism, there are some problems such as unstable customer manager team, deviation of performance reward, Team Building, unsound management mechanism and defects in management. The prevention of non performing loans in Postal Savings Bank of China branch needs to start from both external and internal causes. In the aspect of external factors, we need to strengthen macro-policy research, widen cooperation channels to pay attention to systemic risks, and select target customers with high credit. The internal cause aspect needs to focus on the product aspect, the process aspect and the personnel aspect. Products need to strengthen product structure adjustment, strengthen on-line product research and development and promotion, Tilt low-risk business; pay attention to product factor adjustment, make it adapt to market environment; To enhance the ability of using scientific and technological means to guard against risks. Process needs to optimize business processes to prevent core risks, speed up the credit plant on-line speed, the realization of process operations, strengthen post-loan management. In the aspect of personnel, it is necessary to strengthen the construction of credit team, improve the quality of credit personnel, formulate reasonable personnel rotation policy, ensure the basic stability of the customer manager team, formulate reasonable performance incentive policy, strengthen personnel management, and establish the exit and admittance mechanism. The implementation of NPL prevention measures in Postal Savings Bank of China branch also needs to strengthen macro policy implementation, adhere to positioning, rely on industry to optimize products, improve compliance mechanisms and management processes; Step-by-step hierarchical management, and strengthen the capacity building of the team to ensure. Key words: Postal Savings Bank of China branch; Retail business; Non performing loans; Causes;Prevention
学位类型	硕士
答辩日期	2020
学位授予地点	甘肃省兰州市
页数	54
研究方向	工商管理
论文总页数	54
插图总数	0
插表总数	0
参考文献总数	42
馆藏号	0004005
保密级别	公开
中图分类号	F203.9/785
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/30912
专题	兰州财经大学
作者单位	兰州财经大学-统计学院
第一作者单位	统计与数据科学学院
推荐引用方式 GB/T 7714	宋亚萍 . 中国邮政储蓄银行甘肃分行零售不良贷款成因及防范研究 [D]. 甘肃省兰州市. 兰州财经大学,2020.

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