MBA教育中心知识库

2007年6月中国邮政储蓄银行开通了小额贷款业务切实服务了“三农”，为广大农村地区提供了金融服务，有效解决了农村失业人员、贫困人员、农户及小微企业等贷款难的问题，同时也解决了新农村建设中资金配置的难题,在一定程度上也缓解了农村市场资金供需不平衡的问题，为树立邮储银行良好信誉打下了坚实的基础。中国邮政储蓄银行主要市场定位为“服务三农”，在业务开办15年的时间里，邮储银行柘城县支行小额贷款业务发展从无到有，从小到大和业务增速萎缩的过程。邮储银行为了满足城镇居民及农民的贷款资金需求，并且依据小额贷款“短、小、频、快"的特点，探索出适合小额贷款发展的方式，促使小额贷款业务更好、更快的向前发展。

本文立足于柘城县地区，对邮储银行柘城县支行进行实地调研，采用定量与定性相结合的分析方法。首先，多维度分析邮储银行柘城县支行小额贷款业务目前的发展现状，在业务发展过程中还存在小额贷款业务质量欠佳、信用风险防范不足、代理网点业务效率不高等问题，因为业务流程设计不合理、贷款利率较高、贷款产品设计不合理、贷款管理能力较弱等原因，导致小额贷款业务出现了新增规模速度较慢且逾期持续增高的情况。针对邮储银行柘城县支行小额贷款出现的这些问题，本文提出了优化小额贷款业务流程,夯实责任、实施有差别的利率、针对客户进行产品调整、完善从业人员业务培训及激励约束机制等措施。希望这些举措能使邮储银行柘城县支行的小额贷款业务持续、高效的发展。

In June 2007, the postal savings bank of China opened the microfin-ance business effectively serving agriculture, rural areas and farmers,providing financial service for the vast rural areas, we effectively solved the problem of difficult loans for the unemployed, the poor, rural households and small and micro businesses in rural areas, at the same ti- me, it also solves the difficult problem of capital allocation in the construction of new countryside,to a certain extent, it also alleviates the imbalance between supply and demand of funds in the rural market, it has laid a solid foundation for establishing PSBC’s good reputation.PSBC’s main market positioning is “serving agriculture, rural areas and farmers”, in the first 15 years of business, Postal Savings Bank of Zhecheng county branch small loan business development from scratch growing from small to large and shrinking business growth. PSBC took advantage of the demand for “short, small, frequent and quick” loans from farmers and urban residents excavate suitable development way of small loan, realize the sustain development of small loan business.

This article is based on Zhecheng counti area, conduct field investigation to Postal Savings Bank Of Zhecheng County Branch, quantitative ,qualitative analysis methods are used。First, mutidimensional analysis of Postal Savings Bank Of Zhecheng County branch of the current development of small loan business, In the process of business development, there are also problems such as poor quality of microfinance business, inadequate credit risk prevention, and inefficiency of agency online store business，because the business process design is unreasonable, loan interest rate is high, loan product design is unreasonable eloan management ability is weak and so on, as a result, the newly added scale of small loan business is slow and the overdue continues to increase Postal Savings Bank Of Zhecheng County branch of small loans to these problems, this paper puts forward some measures to optimize the business process of small loan, consolidate responsibility, implement differential interest rate, adjust products for customers, and improve the professional training and incentive and restraint mechanism of employees. It is hoped that these measures will enable PSBC Zhecheng sub-branch’s small loan business to development continuously and efficiently.