摘要
随着我国社会经济的发展，供给侧结构的调整和面临的国内外发展环境的变
化，我国经济增长速度有所放缓。调结构、稳增长已成为我国经济活动中的一个
活跃性话题。为此，中央已经考虑全面支持小微企业、“三农”、棚户区改造和铁
路建设等多个方面。因此，未来小微企业对促进我国经济稳定发展只会增强，不
会减弱。但是目前小微企业的发展面临着不小的困境，其中最为严重的就是资金
匮乏，融资困难。然而我国大多数商业银行信贷业务的重点是针对国有大中型企
业进行贷款，对小微企业放贷相对较少。由于小微企业生产趋向多元化、资金规
模较小、企业固定资产较少、内部的管理经营制度及信用体系不够完善，信用度
不高，经营不稳定，抗风险能力较弱等发展特征，使得商业银行的逾期不良指标
升高，造成商业银行小微企业信贷业务成本高、盈利性低。在这种形式下，中国
邮政储蓄银行 A 分行必须研究分析小微企业发展的现状和趋势，寻找存在的问题
及原因，探究小微企业信贷业务健康发展的策略

本文共分六个章节，采取文献研究法、实地调查法、访谈法等研究方法，对
小微企业相关概念、理论，以及邮储银行 A 分行小微企业信贷业务发展的现状与
趋势为切入点进行了调研，探究了邮储银行 A 分行小微企业信贷业务在发展过程
中存在的诸如贷款业务总量不足，增长乏力；激励考核机制不完善，目标管理不
明确；信贷产品略显滞后，缺乏创新；作业流程体系不完善，风险防范措施及专
业型人才缺乏等相关难点问题，并进行原因分析，提出了适合中国邮政储蓄银行
A 分行小微企业信贷业务发展的策略。这些策略一是找准小微企业信贷业务需求，
确定目标市场；二是创新小微企业信贷产品，增加业务种类；三是优化流程，进
行小微企业信贷管控流程再造；四是确保银行信贷资金投放质量，优化风险管控；
五是完善风险管理相关制度，实施差异管理；六是重视银行信贷业务队伍建设，
夯实人才资源。通过上述有效措施，使得该行在发展小微企业信贷业务的同时，西安建筑科技大学硕士学位论文
加强信贷风险防控，提高银行盈利能力，以增强邮储银行 A 分行的市场竞争力，
这是时代发展的要求，也是邮储银行 A 分行健康发展的题中之意

关键词：邮政储蓄银行；小微企业；信贷西安建筑科技大学硕士学位论文
The postal savings bank of China, A branch small micro
enterprise credit business development research
Specialty: Business Administration
Name: Pang Li
Instructor: Wang Shujian
Abstract
Along with China&39;s social and economic development, the adjustment of the
supply side structure and the changes in domestic and international development
circumstances, China&39;s economic growth rate has slowed down. Structure adjustment
and steady growth has become China&39;s existence long-term issue. The central
authorities have already adopted measures in many ways to support small and micro
companies, agriculture, rural areas and peasants, shantytowns transformation and
railway construction. Clearly, the future effect of small and micro companies will only
strengthen the steady development of China&39;s economy. Healthy development of small
and micro companies will contribute to activate the market, to increase the
employment opportunities, and to provide a wide range of social services. But it is
undeniable that the current development of small and micro companies are facing no
small difficulties, the most serious of which is the lack of financing resources. Due to
the small degree of production diversification, smaller funds, less fixed assets and
internal management problems, small and micro companies have had many difficulties
in obtaining loans, which has in turn become the biggest bottleneck in their
development. Plus, small and micro-companies credit system is not perfect, credit is
not high, business is unstable, weak anti-risk capability development and other
characteristics, banks generally are reluctant to provide financial support. In order to
achieve healthy and sustainable development of small and micro business they must be
provided easy financing environment and ample liquidity guarantee.西安建筑科技大学硕士学位论文
This paper is divided into six chapters, adopt literature research, field survey,
interviews and other research methods, the theory and method of Small and micro
businesses related to the concept of the research, and the status and trends of the postal
savings bank A branch Small and micro businesses credit business development as the
starting point for the investigation, inquiry of the postal savings bank branch of small
and micro A enterprise credit business in the development process of the existing loan
business such as the total lack of growth is weak; incentive mechanism is not perfect,
the management goal is not clear; credit products lagged, the lack of innovation; work
flow system is not perfect, risk prevention measures and the lack of professional talents
and other related problems, and analyzes the reason, proposed suits the development of
credit business Chinese postal savings bank A branch Small and micro businesses
strategy, a credit business needs to identify Small and micro businesses, determine the
target market Two; innovation is Small and micro businesses credit products, increase
the types of business; three is to optimize the process of credit management process
reengineering Small and micro businesses; the four is to ensure the quality of bank
credit funds, optimize risk control; the five is to perfect the risk management system,
the implementation of different management; the six is the importance of bank credit
business team building, consolidate the talent resources. Through the measures above,
the bank in the development of Small and micro businesses credit business at the same
time, strengthen the credit risk control, improve the profitability of banks, in order to
enhance the market competitiveness of the postal savings bank A branch, this is the
development of the times, but also the healthy development of the postal savings bank
A branch in the meaning of the title.
Key words: postal savings bank; Small and micro enterprises credit; Credit西安建筑科技大学硕士学位论文
I
目 录
1 绪 论 ....1
1.1 选题背景及意义 1
1.1.1 选题背景 ..1
1.1.2 研究意义 ..2
1.2 国内外文献综述 2
1.2.1 国外文献综述 ......2
1.2.2 国内研究概况 ......4
1.3 研究目的及方法 ...........5
1.3.1 研究目的 ..5
1.3.2 研究方法 ..6
1.4 研究思路、内容及创新之处 ...6
1.4.1 研究思路 .6
1.4.2 研究内容 .6
1.4.3 创新之处 .8
2 相关理论基础 .9
2.1 小微企业 ......
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