邮储银行A分行小额贷款业务可持续发展研究

发布时间：2018-03-18 19:47

本文选题：小额贷款　切入点：可持续发展　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：小额信贷引入我国只有短短20几年的历史,但却得到了迅猛发展,目前正处于扩张阶段,各种金融和非金融机构纷纷进军该领域。小额信贷在解决“三农”问题和帮助微小企业成长方面发挥了不可替代的作用。邮储银行A分行的小额贷款业务自从2008年开办以来,迅猛发展,为当地的经济发展做出了很大贡献。但经过几年的飞速发展之后,近两年的业务发展遇到了瓶颈,业务增长放缓、资产质量严重恶化。如何实现这种金融服务的延续性,研究其小额贷款业务的可持续发展就具有重要的理论和现实意义。本文通过对理论的研究和对邮储银行A分行的实地调研,对A分行小额贷款业务的内外部发展条件进行了分析,并从宏观和微观角度分析了影响A分行小额贷款业务可持续发展的因素。为了更客观、清晰地评价A分行小额贷款业务的可持续发展程度,本文设计了一套包含地区经济发展水平、盈利能力比率、贷款质量比率、经营效率比率、人员素质水平等5个分层指标以及11个基础指标的评价指标体系,在评价指标结果分析的基础上提出了A分行小额贷款业务可持续发展的5个方面的建议,包括：(1)创新业务发展模式；(2)增强产品适应能力；(3)提高风险管理水平；(4)丰富利率定价方式；(5)提升信贷人员整体素质。
[Abstract]:Microfinance has only been introduced into China for more than 20 years, but it has developed rapidly and is now in the stage of expansion. Microfinance has played an irreplaceable role in solving the "three rural" problems and helping small and medium-sized enterprises to grow. The micro-loan business of Postal savings Bank A Branch has been developing rapidly since its inception in 2008, which has made great contributions to the local economic development. However, after several years of rapid development, the business development of the last two years has encountered a bottleneck. Business growth slows down and asset quality deteriorates seriously. How to realize the continuity of this kind of financial service, it is of great theoretical and practical significance to study the sustainable development of microfinance business. Based on the theoretical research and field investigation of Postal savings Bank A Branch, this paper analyzes the internal and external development conditions of A branch microfinance business. In order to evaluate the degree of sustainable development of micro-loan business in branch A clearly and objectively, this paper analyzes the factors that affect the sustainable development of micro-loan business in branch A. This paper designs a set of evaluation index system including 5 stratified indexes, such as regional economic development level, profitability ratio, loan quality ratio, operating efficiency ratio, personnel quality level, and 11 basic indicators. On the basis of the analysis of the results of the evaluation indicators, the paper puts forward five suggestions on the sustainable development of micro-loan business in Branch A. It includes 1) innovating business development model 2) enhancing product adaptability 3) raising the level of risk management 4) enriching interest rate pricing method 5) improving the overall quality of credit personnel.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F618.3

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