文档介绍：南京邮电大学
硕士学位论文
山东省淄博市邮政储蓄银行小额信贷业务风险防范的研究
姓名:焦裕乘
申请学位级别:硕士
专业:企业管理
指导教师:范鹏飞
2011-01-10
摘要
小额信贷业务为农户和中小企业提供了发展的良好机会,大力开办小额信贷业务不但
是淄博市邮政储蓄银行赢利的关键,也是该行履行社会责任的重要体现。然而,小额信贷
业务是一种金融业务,其以信用为基础的本质属性决定了该业务风险存在的必然性和风险
防范的必要性。因此,构建小额信贷业务的风险防范体系对于淄博市邮政储蓄银行的可持
续发展有重要意义。
淄博市邮政储蓄银行作为中国邮政储蓄银行的二级分行成立于 2008 年,在经营小额
业务的三年时间里遇到许多具有代表性的难题。由于对小额信贷业务的风险防范缺乏经
验,该行已经有了相当规模的不良贷款。虽然,该行也做过一些风险防范方面的探索,但
由于邮政储蓄银行存在着历史的原因和自身的特点,国外银行业有关风险防范的先进原
理、体系和模型难以直接有效地得到应用。国内银行业小额信贷业务的发展亦有许多不足
之处,其经验只能作参考,不能生搬硬套。这就增加了小额信贷业务风险防范的难度,也
决定了淄博市邮政储蓄银行只能通过破旧出新、大胆探索才能寻找到防范风险的有效方
法。因此,如何为淄博市邮政储蓄银行建立小额信贷风险防范体系,以减少坏账损失,降
低逾期率,已成为当务之急,也是本文研究的重点。
本文首先研究了风险防范的有关理论和国内外的相关经验,然后对淄博市邮政储蓄银
行的现状进行了全面分析。在此基础上,针对小额信贷业务的主要风险即信用风险和操作
风险,从组织结构、业务流程、预警指标、档案管理四个方面着手初步建立起了风险防范
体系。最后,对该体系的有效性做了简要的分析和评价。本文研究成果对于我国邮政储蓄
银行经办小额信贷业务的风险防范,具有一定的参考价值。

关键字:淄博市邮政储蓄银行;小额信贷业务;风险防范

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南京邮电大学硕士研究生学位论文 Abstract
ABSTRACT
Micro-credit business provides a rare opportunity for villagers and SMEs (small and
medium-sized enterprises) to develop and improve themselves. So, for Postal Savings Bank of
Zibo, this business not only relates to profits, but also closely links to social responsibility.
However, as a credit-based financial service, micro-credit business is constitutionally connected
to risk and risk prevention. Therefore, to help postal savings bank of Zibo develop sustainably,
building a risk prevention system for micro-credit business is very important.
Postal Savings Bank of Zibo, which was founded in 2008, is a secondary branch of Postal
Savings Bank of China. In the last three years, many typical risk problems of micro-credit
business have been plaguing this bank. Because of lacking risk prevention experiences, this bank
has owned a large scale of non-performing loans. Although this bank has tried its best to prevent
risk, the effect is not obvious. On one hand, due to historical reasons and its own characteristics,
the principles, systems and models adopted by