中国邮政储蓄银行有限责任公司于2007年3月6日正式成立,是在改革邮政储
蓄管理体制的基础上组建的商业银行。N分行是邮储银行的下属二级分行。通过充
分利用自身优势,小额信贷业务已成为邮政储蓄银行N分行的主要资产业务,是其
获取利润的主要途径,因此小额信贷风险是邮政储蓄银行N分行的主要风险。自建
行以来,邮政储蓄银行N分行的小额信贷风险管理水平虽取得长足进步,但仍存在
着很多不足,影响了邮政储蓄银行N分行的信贷资产质量,限制了业务的进一步发
展,进而降低了银行的收益。
本文通过对小额信贷相关理论的总结和运用,形成有针对性的认识。首先对
小额信贷及小额信贷风险的涵义进行了剖析,之后对邮政储蓄银行N分行小额信
贷业务现状进行了概述,在对邮储银行N分行小额信贷风险管理情况实证分析的
基础上,最后提出了具体的改进建议与对策,以促进邮储银行N分行此项业务持
续健康的发展。
关键词:邮政储蓄银行,小额信贷,风险管理
ABSTRACT
The microfinance is small amount financial credit service for people and
self-employed and small enterprises who are excluded from Regular financial system
with the different risk management technologyCompared with other loans,
microfinance has notable and special credit risk.
Postal Savings Bank of China was officially established on the basis of the Postal
Savings On March 6,2007.N branch is the secondary branch of Postal Savings Bank.
Because microfinance is the main asset business and the profit point of N branch, so the
it's risk is the main risk of the bank.. Although, the risk management of N branch has
made great progress but there are still a lot of shortcomings. They affect the quality of
loan assets, Limit the business development and Reduce the earnings .
This article formed the understanding by using the related theory of microfinance.
Firstly this article explains the meaning of microfinance and the risk. Then State the
microfinance business status of the N branch .Finally the measure to improve and
optimize the microcredit risk management of the post savings bank of the N branch was
proposed to make the development of microfinance service of the postal savings bank of
the N branch sustainable and healthful.
KEY WORDS: Postal Savings Bank,Microfinance,Risk management
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