资源描述:
《岳普湖县支行邮政储蓄银行发展信贷业务的策略研究改》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、中国邮政储蓄银行岳普湖县支行发展信贷业务的策略研究摘要:目前我国邮政储蓄银行岳普湖县支行在信贷市场上面临诸多难题,如金融脱媒压缩信贷市场、其他商业银行以及外资银行的竞争冲击信贷市场份额、流动性过剩加大拓展信贷市场的压力等等。而在资金需求方面,中小企业融资难问题仍然没有得到有效解决,城镇就业人员贷款难和农民贷款难问题还大量存在。银行流动性过剩和贷款需求者不能有效获得资金支持并存是一个两难困境问题。本文认为,中国邮政储蓄银行发展小额贷款业务可以有效缓解该困境。小额贷款业务一方面有利于邮储银行开拓中小企业客户和农村市场,作为新的利润增长点,另
2、一方面有利于解决中小企业融资难和农民贷款难问题。所以本文主要是对这一问题进行分析和阐述。关键词:中国邮储银行;信贷业务;发展研究he"governingforthepeople","Nomattertheinterestsofthemasses"conceptunderstandingisnotinplace.Thespecificworktreatswiththedeployment,afewleadingcadrescomplainthatworkistoocomplicated,toomuchresponsibility,thep
3、ressureistoolarge,toomuchemphasisonthedifficultyofthework.Forexample,noncoalmineAbstract:Atpresent,ChinaPostalSavingsBankBranchYuepuhuxianfacedmanyproblemsinthecreditmarkets,suchasfinancialdisintermediationcompressioncreditmarkets,competitionfromothercommercialbanksandfo
4、reignbankssharetheimpactofthecreditmarket,increasedexcessliquidityincreditmarketsexpandpressureandsoon.Intermsofcapitalrequirements,financingofSMEsstillnotbeeneffectivelyresolved,urbanemploymentdifficultyinobtainingloansandloanstofarmer’sdifficultproblemsstillabound.Bank
5、loandemandandexcessliquiditycannotcoexisteffectivelyobtainfundingdilemmaisaproblem.ThispaperarguesthatthedevelopmentofChinaPostalSavingsBankmicrofinanceservicescaneffectivelyalleviatethedifficulties.SmallbusinessloansinfavorofthePostalSavingsBankontheonehandtodeveloptheS
6、MEcustomersandtheruralmarket,asanewprofitgrowthpoint,ontheotherhandhelpsolvethefinancingdifficultiesofSMEsandloanstofarmershard.Sothispaperistoanalyzethisissueandelaborated.Keywords:ChinaPostalSavingsBank;creditbusiness;DevelopmentResearchhe"governingforthepeople","Nomat
7、tertheinterestsofthemasses"conceptunderstandingisnotinplace.Thespecificworktreatswiththedeployment,afewleadingcadrescomplainthatworkistoocomplicated,toomuchresponsibility,thepressureistoolarge,toomuchemphasisonthedifficultyofthework.Forexample,noncoalmine一.引言岳普湖县位于天山南麓,塔
8、里木盆地西部,盖孜河下游,地处东经76°25′~77 °25′和北纬38°46′~39°22′之间,总面积3 327.1平方公里(含农三师42团)。东邻巴楚县,东南靠莎车县,西南与西部和英吉沙、疏勒县毗邻,