摘要经过了20来年的发展，小额贷款己成了全世界发展的趋势。这表明了，小额贷款在世界各地的社会经济中起到了关键功效，也发挥了较好的实际效果。中国正处在经济发展、社会转型升级的历程中，微小企业和乡村地域资金短缺问题迄今仍是一个急需解决的问题，作为可以适当减轻股权融资艰难局势，乃至可以处理这一问题的小额贷款在发展上也是困难重重。在如此经济发展及运营环境下，顾客的借款要求逐渐提高，应对宽阔的行业市场室内空间，发展潜力极大的小额贷款的金融体系，大部分银行业不敢进军。因而，研究这一问题对推动微小企业的发展，处理资金短缺的问题，具备一定的价值。2005年12月9日，邮政储蓄银行小额信贷试点启动并且逐步实施部分存单质押贷款、单户财产抵押贷款、小组联保贷款、小组不联保贷款等多项业务。邮政储蓄将在为农村居民和城镇中低收入居民提供金融服务方面发挥作用，同时发展小额信贷作为重要的战略方向和盈利的产品线，今后还将建立小额保险、小额租赁等业务，以服务三农为标准，方便资金回流农村。随着邮政储蓄信贷功能的增强，与农村信用社在服务领域和服务对象上存在重叠，两者之间的竞争已成为不争的事实。本文以小额信贷理论为基础，通过发展邮政储蓄银行小额信贷、管理和问题进行分析，借鉴国外银行发展小额信贷的经验，在此基础上，找出邮政储蓄银行小额信贷业务发展、管理和创新的不足，并提出具体的防范措施。关键词：邮政储蓄银行；农村金融业务；小额贷款AbstractAfter20yearsofdevelopment,microfinancehasbecomethetrendofdevelopmentallovertheworld.Thisshowsthatmicrofinancehasakeyroletoplayinsocialeconomiesaroundtheworld,aswellasabetterpracticaleffect.Chinaisintheprocessofeconomicdevelopmentandsocialtransformationandupgrading.Sofar,theshortageoffundsforsmallenterprisesandruralareasisstillanurgentproblemtobesolved.Asasmallloanthatcanproperlyalleviatethedifficultsituationofequityfinancingandevendealwiththisproblem,itisalsofacedwithdifficultiesinthedevelopment.Insuchanaturalenvironmentofeconomicdevelopmentandoperation,theborrowingrequirementsofcustomersaregraduallyincreasing.Inresponsetothewideindoorspaceoftheindustrymarketandthedevelopmentofthefinancialsystemwithgreatpotentialforsmallloans,mostbanksdarenotenter.Therefore,thestudyofthisissuehascertainresearchandapplicationvaluetopromotethedevelopmentofsmallenterprisesanddealwiththeproblemofcapitalshortage.OnDecember9,2005,themicrocreditpilotofpostalsavingsbankwaslaunchedandgraduallyimplementedanumberofbusinesses,suchaspartialcertificateofdepositpledgeloans,singlehouseholdpropertymortgageloans,groupjointlyguaranteedloans,groupnonjointlyguaranteedloansandsoon.Postalsavingswillplayaroleinprovidingfinancialservicesforruralresidentsandlow-incomeurbanresidents.Atthesametime,thedevelopmentofmicrofinanceasanimportantstrategicdirectionandprofitableproductlinewillalsoestablishmicroinsurance,microleasingandotherbusinessesinthefuture,takingservingagriculture,ruralareasandfarmersasthestandardtofacilitatethereturnoffundstothecountryside.Withtheenhancementofthefunctionofpostalsavingsandcredit,thereisoverlapwithruralcreditcooperativesintheservicefieldandserviceobject,andthecompetitionbetweenthetwohasbecomeanindisputablefact.Basedontherelevanttheoriesofsmallloans,thispaperanalyzesthedevelopment,managementandproblemsofsmallloansofPSBC,andcombinestheexperienceofforeignbanksindevelopingsmallloans,soastofindthedeficienciesinthedevelopment,managementandinnovationofsmallloansofPSBC,andputsforwardspecificpreventivemeasures.Keywords:PostalSavingsBank;RuralFinancialServices;Microfinance目录摘要......................................
