摘要随着社会经济的飞速发展，国家也越来越注重农村经济的发展，相关部门及社会公众对农村金融发展环境的要求也在不断提高。众所周知，资金是发展经济的基础和根本，每个乡镇几乎都能看到中国邮政储蓄银行的身影，在服务三农过程中，中国邮政储蓄银行起着至关重要的作用，基于此，中国邮政储蓄银行应该积极创新，继续拓展小额贷款业务，以此来解决农村逐渐增加的资金缺口问题，同时，还能促进中国邮政储蓄银行的壮大和发展，这是中国邮政储蓄银行未来发展的必然趋势。中国邮政储蓄银行开展农村小额信贷业务，使广大农村地区服务的农村客户数量和金融支持金额得到稳步上升。但其缺乏商业管理方面的小额信贷管理专业经验。本文以辽宁邮政储蓄银行营口分行小额信贷业务为调查对象。首先回顾了有关小额贷款业务发展意义、存在问题、业务创新等相关文献，并对文献进行评述。通过相关数据研究邮政储蓄银行营口分行的农户小额信贷业务，结合农户调查问卷进行分类研判，探讨解决问题的办法。最后，根据分析得出的结果，提出邮政储蓄银行营口分行发展农户小额贷款的对策建议，包括创新产品种类、开辟新型市场、提升信贷队伍能力、强化小额贷款风险管理、加强贷款业务与需求的匹配性。为完善邮政储蓄银行营口分行农户小额贷款业务发展存在的问题提供借鉴，有利于帮助邮政银行在服务好农户个人融资需求，丰富贷款产品的种类，创造更好发展前景，在助农业务方面开拓更广阔的市场，以创新产品和服务为主要任务，并助力邮政储蓄银行营口分行小额信贷业的顺利发展。关键词：小额信贷；产品创新；风险管理AbstractWiththerapiddevelopmentofsocialeconomy,thecountryisalsopayingmoreandmoreattentiontothedevelopmentofruraleconomy,andtherequirementsofrelevantdepartmentsandthepublicfortheruralfinancialdevelopmentenvironmentarealsoconstantlyimproving.Asisknowntoall,capitalisthefoundationofeconomicdevelopment,almosteverytownshipcanseethepostalsavingsbankofChina,intheprocessofservicethreeruralareas,postalsavingsbankofChinaplaysavitalrole,basedonthis,thepostalsavingsbankofChinashouldactivelyinnovation,continuetoexpandmicrofinancebusiness,tosolvetheproblemofruralincreasingfundinggap,atthesametime,alsocanpromotethegrowthanddevelopmentofthepostalsavingsbankofChina,thisistheinevitabletrendoffuturedevelopmentofpostalsavingsbankofChina.ThePostalSavingsBankofChinahascarriedoutruralmicrocreditbusiness,steadilyincreasingthenumberofruralcustomersandfinancialsupportprovidedinthevastruralareas.ThispapertakesthemicrofinancebusinessofYingkouBranchofLiaoningPostalSavingsBank.First,wereviewthedevelopmentsignificance,existingproblemsandbusinessinnovationofsmallloanbusiness,andreviewedtheliterature.Throughrelevantdata,thefarmers'microcreditbusinessofYingkouBranchofPostalSavingsBankwasstudied,andthefarmers'questionnairewasclassifiedandjudged,andthesolutionstotheproblemswerediscussed.Finally,accordingtotheresultsobtainedfromtheanalysis,itputsforwardthecountermeasuresandsuggestionstodevelopsmallloansforfarmers,includinginnovatingproducttypes,openingupnewmarkets,improvingtheabilityofcreditteam,strengtheningtheriskmanagementofsmallloans,andstrengtheningthematchingbetweenloanbusinessanddemand.ToimprovethepostalsavingsbankYingkoubranchfarmersprovidereferenceintheproblemsofmicrofinancebusinessdevelopment,tohelpthepostalbankingoodfarmerspersonalfinancingneeds,richtypesofloanproducts,createbetterdevelopmentprospects,inhelpingagriculturetodevelopabroadermarket,toinnovativeproductsandservicesasthemaintask,andhelpthepostalsavingsbankYingkoubranchofthemicrofinanceindustry.Keywords:Microcredit;Productinnovation;Riskmanagement目录摘要.....................
