邮政储蓄银行服务实体经济破题小企业贷款问题探讨

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1、题目：邮政储蓄银行开展小企业贷款问题探讨邮政储蓄银行开展小企业贷款闷题探w邮政储蓄银行开展小企业贷款问题探讨［安商要］小企业贷款业务是W内商业银行重点发展的业务之一，小企业贷款业务作为邮储银行的战略性零售业务，在满足邮储银行自身发展和小企业金融需求，支持地方经济建设上发挥着积极作用。从同内实践来看，随着以最低资本耍求，监督检杳程序和市场约束为三大支柱的《巴塞尔新资本协议》，补充逆周期资本附加，资本留存缓冲要求的《巴塞尔资本协议TTT》等监管标准的陆续引入和金融监管工具的逐步丰富，我岡银行业监管水平不断提高。在这竞争激烈的金融

2、环境中，在新的经济金融环境下，能否有效解决中小企业贷款问题，如何改进小企业贷款风险管理以及满足监管耍求，确保更好的发展和完善屮小企业贷款业务，深入拓展中小企业贷款市场早已成为邮政储蓄银行在未来的信贷市场竞争中保持优势的关键。木文结合中小企业市场发展现状，通过研究邮储蓄银行现已开展的小企业贷款业务，分析了邮政储蓄银行小企业贷款业务发展停滞的原因，从产品、业务上进行深入思考，针对邮政储蓄银行小企业贷款业务的业务发展趋势，提出了笔者自己的营销策略及建议。［关键字］银行小企业贷款管理风险邮政储蓄银行开展小企业贷款问题探只Thepos

3、talsavingsbanktocarryoutthestudyofsmallbusinessloans[Abstract]Smallbusinessloanbusinessisoneofthedomesticcommercialbankstofocusonthedevelopmentofbusiness,smallbusinessloanbusinessasthepostofficebankstrategicretailbusiness,inthepostofficebankitselfdevelopmentandsmal

4、lbusinessfinancialneeds,supportlocaleconomicdevelopmentplaysapositiverole.Practicefromdomestic,withminimumcapitalrequirementsandsupervisionandinspectionproceduresandmarketconstraintsasthethreepillarsoftheBaselnewcapitalagreement,addadditionalcounter-cyclicalcapital

5、,capitalcushionrequirementsofthe"BaselIII"regulatorystandardsintroducedandfinancialregulatorytoolssuchasrichgradually,ourcountrybankingregulationlevelenhancesunceasingly.Inthefiercecompetitionofthefinancialenvironment,undertheneweconomicandfinancialenvironment,cane

6、ffectivelysolvetheproblemofsmallandmedium-sizedenterpriseloan,howtoimprovethesmallbusinessloanriskmanagement,andmeetregulatoryrequirements,toensureabetterdevelopmentandimprovethesmallandmedium-sizedenterpriseloanbusinessandfurtherdevelopmentofsmallandmedium-sizeden

7、terpriseloanmarkethasbeenapostalsavingsbankofcreditmarketinthefuturethekeytokeepadvantageincompetition.Combiningwiththecurrentsituationofthedevelopmentofsmallandmedium-sizedenterprisemarket,throughthestudyofpostalsavingsbankhasbeencarryoutsmallenterpriseloanbusines

8、s,analyzesthecauseofthepostalsavingsBanks,smallbusinessloanbusinessdevelopmentstagnation,finallyaimedatsmallbusinessloanbusinessthepostalsavingsb