岳普湖县支行邮政储蓄银行发展信贷业务的策略与研究改.docVIP

中国邮政储蓄银行岳普湖县支行发展信贷业务的策略研究 摘要：目前我国邮政储蓄银行岳普湖县支行在信贷市场上面临诸多难题，如金融脱媒压缩信贷市场、其他商业银行以及外资银行的竞争冲击信贷市场份额、流动性过剩加大拓展信贷市场的压力等等。而在资金需求方面，中小企业融资难问题仍然没有得到有效解决，城镇就业人员贷款难和农民贷款难问题还大量存在。银行流动性过剩和贷款需求者不能有效获得资金支持并存是一个两难困境问题。本文认为，中国邮政储蓄银行发展小额贷款业务可以有效缓解该困境。小额贷款业务一方面有利于邮储银行开拓中小企业客户和农村市场，作为新的利润增长点，另一方面有利于解决中小企业融资难和农民贷款难问题。所以本文主要是对这一问题进行分析和阐述。 关键词：中国邮储银行；信贷业务；发展研究 Abstract：At present, China Postal Savings Bank Branch Yuepuhuxian faced many problems in the credit markets, such as financial disintermediation compression credit markets, competition from other commercial banks and foreign banks share the impact of the credit market, increased excess liquidity in credit markets expand pressure and so on. In terms of capital requirements, financing of SMEs still not been effectively resolved, urban employment difficulty in obtaining loans and loans to farmer’s difficult problems still abound. Bank loan demand and excess liquidity can not coexist effectively obtain funding dilemma is a problem. This paper argues that the development of China Postal Savings Bank microfinance services can effectively alleviate the difficulties. Small business loans in favor of the Postal Savings Bank on the one hand to develop the SME customers and the rural market, as a new profit growth point, on the other hand help solve the financing difficulties of SMEs and loans to farmers hard. So this paper is to analyze this issue and elaborated. Keywords: China Postal Savings Bank; credit business; Development Research 一．引言 岳普湖县位于天山南麓，塔里木盆地西部，盖孜河下游，地处东经76°25′～77?°25′和北纬38°46′～39°22′之间，总面积3?327.1平方公里（含农三师42团）。东邻巴楚县，东南靠莎车县，西南与西部和英吉沙、疏勒县毗邻，北接伽师县。东西最长93公里，南北最宽56公里，省道310线横贯我县东西，213线纵贯我县南北，交通十分便利。县城距喀什市76公里，距乌鲁木齐市公路里程1560千米。为喀什地区叶尔羌河、克孜河、盖孜河3河同灌县，水资源十分丰富。全县有可垦荒地150万亩，耕地30万亩。年光照时间2500—3000小时，全年平均气温11.7°C，无霜期长达243天，属暖温带大陆性干旱气候。目前在针对“对中小企业的邮储银行小额贷款业务”和“针对自然人的小额贷款业务”虽然有所发展，但是，仍有大量的急需发展资金的中小企业无法获得正规融资服务，针对中小企业的融资服务供给还远不能满足现有需求；针对农民和城镇居民的小额贷款规模仍然偏小，大量农民和城镇居民的生产发展资金不能得到满足。目前银行业提供小额贷款业务的银行数量还不够多，规模也不够大。本文通过对邮储银行岳普湖县支行提供的小额贷款业务进行系统的研究分析，从理论