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1、南京郵電大學(xué)2015屆畢業(yè)論文郵電大學(xué)繼續(xù)教育學(xué)院高等函授、業(yè)余畢業(yè)設(shè)計(jì)（論文）設(shè)計(jì)題目：郵政儲(chǔ)蓄銀行小額貸款業(yè)務(wù)發(fā)展對(duì)策研究入學(xué)年月姓名學(xué)號(hào)專業(yè)經(jīng)濟(jì)學(xué)所屬總站指導(dǎo)教師南京郵電大學(xué)2015屆畢業(yè)論文完成日期2015年3月10日南京郵電大學(xué)2015屆畢業(yè)論文摘要20世紀(jì)90年代以來，中小企業(yè)呈現(xiàn)出了良好發(fā)展勢(shì)頭，得到了快速的發(fā)展，數(shù)量逐年增加，作用日益凸現(xiàn)。對(duì)一部分具有發(fā)展?jié)摿Φ闹行∑髽I(yè)適度提供貸款，幫助、支持其發(fā)展，培育未來的優(yōu)良客戶應(yīng)當(dāng)成為郵政儲(chǔ)蓄銀行的一項(xiàng)重要戰(zhàn)略舉措。在國(guó)家政策扶持中小企業(yè)發(fā)展、其盈利能力與經(jīng)濟(jì)實(shí)力不斷增強(qiáng)的情況
2、下，著力開拓中小企業(yè)信貸市場(chǎng)對(duì)郵政儲(chǔ)蓄銀行拓展信貸業(yè)務(wù)顯得尤為必要。本文從郵政儲(chǔ)蓄銀行的角度，首先對(duì)郵政儲(chǔ)蓄銀行小額貸款現(xiàn)狀現(xiàn)狀進(jìn)行了描述，即存在中小企業(yè)融資和城鎮(zhèn)人員、農(nóng)民貸款“貸款成本高、貸款風(fēng)險(xiǎn)大”的特點(diǎn)，并對(duì)此展開了探討。然后，對(duì)中小企業(yè)融資和城鎮(zhèn)人員、農(nóng)民貸款資金需求具有“短、頻、快”的共同特征與郵政儲(chǔ)蓄銀行小額貸款業(yè)務(wù)的可行性進(jìn)行研究，進(jìn)而引申出郵政儲(chǔ)蓄銀行開拓小額貸款業(yè)務(wù)這一市場(chǎng)所面臨的兩大難題：郵政儲(chǔ)蓄銀行小額貸款業(yè)務(wù)發(fā)展中存在的問題及業(yè)務(wù)發(fā)展對(duì)策。最后就如何建立一種相對(duì)安全的小額貸款業(yè)務(wù)風(fēng)險(xiǎn)防機(jī)制進(jìn)行了探討、研究，并
3、提出了相應(yīng)的理論觀點(diǎn)。為郵政儲(chǔ)蓄銀行小額貸款業(yè)務(wù)有效的推廣，獻(xiàn)言獻(xiàn)策。關(guān)鍵詞：小額貸款；業(yè)務(wù)發(fā)展；風(fēng)險(xiǎn)防機(jī)制南京郵電大學(xué)2015屆畢業(yè)論文南京郵電大學(xué)2015屆畢業(yè)論文ABSTRACTSincethe1990s,smallandmediumshowingagoodmomentumofdevelopmenthasbeenrapiddevelopment,thenumberincreaseseveryyear,highlightsthegrowingrole.OnthepartofthedevelopmentpotentialofSMEs
4、toprovideamodestloanstohelpsupporttheirdevelopment,promotegoodcustomershouldbethefutureofthepostalsavingsbankisanimportantstrategicmove.AtthenationalpolicytosupportSMEdevelopment,profitabilityandeconomicstrengthofthecase,effortstodevelopSMEcreditmarketforpostalsavingsba
5、nkstoexpandcreditisparticularlynecessary.ThispointofviewfromthePostalSavingsBank.FirstMicrofinanceBankofthestatusofpostalsavingsdescribedthecurrentsituation,thatthereisfinancingforSMEsandurbanworkers,farmersloansto"highcostloans,loanrisk"characteristics,andhavelauncheda
6、ndiscussed.Then,thefinancingforSMEsandurbanworkers,farmersdemandloanwitha"short,frequent,quick,"thecommonfeaturesofsmallloansandbusinesspostalsavingsbankfeasibility)studyfurtherpointedoutthatasmallloantoopenuppostalsavingsbankbusinessinthismarketfacestwomajorproblems:le
7、ndinginterestratesandcreditriskcontrolissues.Finally,onhowtodeterminetheappropriateinterestrate,howtoestablisharelativelysecuresmallloansbusinessriskpreventionmechanismdiscussed,studied,andthecorrespondingtheoreticalpointofview.ForthePostalSavings南京郵電大學(xué)2015屆畢業(yè)論文Banktopr
8、omotemicro-lendingbusinesseffectivelyputforwardtheirownproposals,measures.Keywords:Microfinance;pricingmodel;r
