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1、ACKNOWLEDGEMENTSMydeepestgratitudegoesfirstandforemosttotheProfessorHeYuangui,mysupervisor,forhercontinuousandpatientencouragementandprofessionalguidance.Duringthestudyandwriting,ProfessorHeYuanguihasgivenspecificdirectionstoideas,writingandstructuresoro
2、rganizationthroughallthestagesofthisthesis.Withouthisconsistent,inspiringandprofessionalinstructions,thisthesiscouldnothavereacheditspresentform.Atthesametime,Iwouldliketoexpressmysinceregratitudetoallotherteacherswhohaveledmeintotheworldofmarketingandwh
3、oselectureshavegivenmeinspirations.Theirinsightfuladviceandinformativelectureshaveenrichedmyknowledgeaboutmarketing,which,inturn,pavesthefoundationformydeeperthinkingandfosteringmyacademicview.Second,Imustextendmyheartfeltgratitudetoseveralmanagersconcer
4、nedinthecompaniessincetheircomprehensiveanalysisandprofessionalsuggestionscontributemuchtomyminds.Ialsoowemysinceregratitudetomyfriendswhohavehelpedmetoovercomethedifficultiesduringthisperiod.Last,mythankswouldgotomybelovedfamilyfortheirstrongsupportandg
5、reatconfidenceinmeallthroughtheseyears.ABSTRACTPostalSavingsBankofChinaCo.,Ltd.wasfoundedinMarch,2007andwasconvertedintoPostalSavingsBankofChinaIncorporatedCompanyinJanuary,2012withtheagreementofStateCouncilandtheapprovalofChinaBankingRegulatoryCommissio
6、n.Untilnow,PostalSavingsBankofChinaownsmorethan39,000bankingoutletswithassetsreachingat5.58trillionwhichmakesPostalSavingsBankofChinarankstheseventhallovertheChina.Microcreditorsmallloansorpettyloanswhichareviewedasonekindofspecialfinancialacthavenotonly
7、beenappliedinmanycountiesallovertheworld,butalsobecomeanimportantpartofChinafinanceatpresentwithdifferentpurposesandindifferentways.Nowadays,Chinaeconomyisexperiencingthetransformation,sotheeconomicenvironmentisextremelycomplicated.Underthissituation,the
8、smallloansinChinaalsofaceunprecedenteddevelopmentopportunity,difficultiesandrisks.Thepracticeofsmallloanscanbetracedto1990s.Atthattime,themajortwoinstitutionsthatoperatedsmallloanswerecreditunionandsmallloanscompany,butthe
