摘要................................................................................................................................I 目录.............................................................................................................................III 图清单...........................................................................................................................V 表清单.........................................................................................................................VI 1绪论............................................................................................................................1 1.1选题背景与研究意义.............................................................................................1 1.2国内外研究动态与文献评析.................................................................................6 1.3研究思路与研究方法...........................................................................................10 1.4研究不足与展望...................................................................................................12 2理论概述..................................................................................................................13 2.1乡村振兴战略.......................................................................................................13 2.2普惠金融体系.......................................................................................................14 2.3商业银行小微贷款...............................................................................................15 3中国邮政储蓄银行徐州市分行小微贷款发展现状..............................................19 3.1发展情况...............................................................................................................20 3.2存在的问题...........................................................................................................24 3.3问题的成因...........................................................................................................26 4中国邮政储蓄银行徐州市分行小微贷款发展环境..............................................31 4.1外部环境分析.......................................................................................................31 4.2内部环境分析.......................................................................................................35 4.3SWOT分析............................................................................................................36 5中国邮政储蓄银行徐州市分行小微贷款发展对策..............................................45 5.1优势发展策略.......................................................................................................45 5.2防御型策略...........................................................................................................47 5.3扭转型策略...........................................................................................................48 5.4优势防御策略.......................................................................................................50 6结论..........................................................................................................................53