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农学学报

农学学报 ›› 2012, Vol. 2 ›› Issue (2): 70-73.

• 三农问题研究 农村产业结构 • 上一篇    下一篇

中国邮政储蓄银行农户小额贷款问题与对策——以齐河支行为例

王春华 王蕾   

  • 收稿日期:2011-08-10 修回日期:2011-10-17 出版日期:2012-02-20 发布日期:2012-02-20

Problems and Countermeasures of Farmer’s Microfinance of China Postal Savings Bank: A Case Study of Qihe Branch

  • Received:2011-08-10 Revised:2011-10-17 Online:2012-02-20 Published:2012-02-20

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摘要：

农户小额贷款是中国邮政储蓄银行的战略性业务和标志性产品，为新农村建设提供了重要支持。但是，这一业务在运作过程中产生了一些问题，为了推动小额贷款业务的健康发展，采取农户走访、问卷调查等方式对中国邮政储蓄银行齐河支行开展的小额贷款业务进行调查。结果发现，邮政储蓄农户小额贷款存在的主要问题是贷款管理力量薄弱，贷款额度、还款方式与客户需求不适应，信用评估方式不合理，信息不对称等。针对这些问题，提出了加强农村地区农户小额贷款管理力量，为客户制定合理的贷款额度和还款计划，加强信用环境建设，拓展沟通渠道等对策。

关键词: 蝴蝶兰, 蝴蝶兰, 杂交F1代, 性状分离

Abstract:

Postal savings bank (POSB) is different from the commercial banks in general sense. Its market localization is retail financial services oriented to individuals. With the original relative superiority, farmer’s microfinance will become the strategic business and symbolic products of POSB. But there were also some problems during the process of microfinance development. In order to facilitate the healthy development of microfinance in post saving bank, choose Qihe branch as a case study, a detailed survey on farmer’s microfinance was made. It was found that the main problems of farmer’s microfinance were weak loan administration, inadaptation between loans limit, repayment means and customer demands, the unreasonable credit evaluation way, as well as information asymmetry. Based on the main problems, the author put forward several advices, which included enhancing farmer’s microfinance management power for the client, formulating rational loan limit and repayment schedule, strengthening credit environment construction, and also expanding channels of communication.