摘要
我国是典型的二元经济结构,农村发展滞后。制约农村和农业发展的一个重要
因素是资金匮乏，因此在农村发展小额信贷金融服务尤其重要。H 省是农业大省，
涉农信贷资金的需求十分旺盛，而提供涉农信贷业务的供给方则呈现多元化特征。
目前，邮储银行和农信社、龙江银行、农业银行、村镇银行等多家金融机构均开
设了涉农小额贷款业务，共同形成了 H 省涉农金融市场的竞争格局。
本文站在邮储银行的角度，对 H 省涉农小额信贷市场发展的现状进行研究，
分析邮储银行在整个市场中的竞争优势、劣势、外部机遇和面临的挑战，并据以
提出邮储银行未来发展的竞争战略以巩固其市场地位，提高涉农小额信贷业务的
经营效率。
关键词：小额信贷；农村金融市场；邮储银行；战略II
Abstract
China is a typical dual economic structure and rural development is lagging behind.
One of the most factors that restrict the development of agriculture and rural areas is the
lack of funds. So it is important to development microfinance in rural areas. H Province
is a major agricultural province, the demand for agricultural credit funds is very strong,
while the supply side of agricultural credit business is showing diversity. Currently, the
Postal Savings Bank and Rural Credit Cooperatives, Longjiang Bank, Agricultural Bank
of China, Rural Banks and other financial institutions set up the competitive formation
in H provincial agricultural financial market.
This paper stands in the angle of the Postal Savings Bank, try to research status of
H province rural credit market development in H province, analysis advantages and
disadvantages, external opportunities and challenges of the Postal Savings Bank in the
market&39;s competition, and put forward the competitive strategy of the postal savings
bank in the future to consolidate its market position, improve the rural micro credit
business efficiency.
Keywords: microfinance; rural financial market; Postal Savings bank of China ;
strategyIII
目录
中文摘要...........................................................................................................................I
Abstract.............................................................................................................................II
绪论.................................................................................................................................. 1
一、研究的背景.......................................................................................................1
（一）城乡二元经济下农业的发展滞后.......................................................1
（二）资金匮乏是制约农业发展的一个重要原因.......................................1
（三）农村金融服务存在许多问题...............................................................1
二、研究的目的和意义...........................................................................................2
三、国内外研究现状...............................................................................................3
（一）国外同类课题研究现状及趋势...........................................................3
（二）国内同类课题研究现状及趋势...........................................................5
四、研究过程中的主要问题与难点及研究方法...................................................6
（一）研究过程中的主要问题与难点...........................................................6
（二）研究方法...............................................................................................6
第一章 研究的基础概念和理论.....................................................................................8
第一节 简介银行业务.............................................................................................8
一、按业务复杂程度分类...............................................................................8
二、按债权债务关系分类...............................................................................8
第二节 涉农小额信贷的定义及分类.....................................................................8
一、涉农小额信贷相关概念...........................................................................8
二、涉农小额信贷组织构架...........................................................................9
第三节 涉农小额信贷的相关理论基础...............................................................10
一、二元经济理论.........................................................................................10IV
二、金融深化理论.........................................................................................11
本章小结.................................................................................................................12
第二章 涉农小额信贷的发展现况...............................................................................13
第一节 我国涉农小额信贷的市场供求分析.......................................................13
一、我国小额信贷市场需求分析.................................................................13
二、我国小额信贷市场供给分析.................................................................13
第二节 H 省涉农小额信贷的发展现况...............................................................14
一、提供涉农小额信贷的主体.....................................................................14
二、涉农小额贷款的规模和结构.................................................................15
本章小结.................................................................................................................15
第三章 H 省邮储银行涉农小额信贷发展的问题分析.............................................. 16
第一节 邮政储蓄银行在全省涉农小额信贷市场上的 SWOT 分析..................16
一、邮储银行涉农小额信贷的优势分析.....................................................16
二、邮储银行涉农小额信贷的劣势分析.....................................................16
三、邮储银行涉农小额信贷的外部机遇.....................................................17
四、邮储银行涉农小额信贷的外部威胁.....................................................18
第二节 H 省邮储银行涉农小额信贷发展面临的困难和问题...........................19
一、贷款利率较高.........................................................................................19
二、信贷资金总量不足、流向不合理.........................................................19
三、小额信贷的风险防范不规范.................................................................20
四、农户的自身问题致使小额信贷困难.....................................................21
五、小额信贷载体单一.................................................................................22
六、农村资金严重外流.................................................................................22
七、涉农小额信贷额度与期限未能满足农户的需求.................................23
本章小结.................................................................................................................23V
第四章 H 省邮政储蓄银行涉农小额信贷未来竞争战略及措施...............................24
第一节 H 省邮政储蓄银行涉农小额信贷的未来竞争战略...............................24
一、专业整合，专项专管.............................................................................24
二、多元化战略.............................................................................................25
三、E+模式战略 ............................................................................................25
四、O2O 模式战略 ........................................................................................26
第二节 H 省邮储银行发展涉农小额信贷的具体措施.......................................26
一、完善组织机制和内部管理.....................................................................26
二、建立完善的涉农小额信贷考核制度.....................................................27
三、适当放宽贷款额度和期限.....................................................................28
四、确保资金来源.........................................................................................28
五、重视市场营销.........................................................................................28
第三节 政府应为发展涉农小额信贷提供外部支