郵政儲蓄銀行在寧波地區(qū)小額貸款風(fēng)險管控研究.pdf

1、浙江工業(yè)大學(xué)學(xué)位論文原創(chuàng)性聲明本人鄭重聲明：所提交的學(xué)位論文是本人在導(dǎo)師的指導(dǎo)下，獨立進行研究工作所取得的研究成果。除文中已經(jīng)加以標(biāo)注引用的內(nèi)容外，本論文不包含其他個人或集體已經(jīng)發(fā)表或撰寫過的研究成果，也不含為獲得浙江工業(yè)大＼學(xué)或其它教育機構(gòu)的學(xué)位證書而使用過的材料。對本文的研究作出重要貢獻的個人和集體，均已在文中以明確方式標(biāo)明。本人承擔(dān)本聲明的法律責(zé)任。作者簽名：言軋日期：年月日學(xué)位論文版權(quán)使用授權(quán)書本學(xué)位論文作者完全了解學(xué)校有關(guān)保留

2、、使用學(xué)位論文的規(guī)定，同意學(xué)校保留并向國家有關(guān)部門或機構(gòu)送交論文的復(fù)印件和電子版，允許論文被查閱和借閱。本人授權(quán)浙江工業(yè)大學(xué)可以將本學(xué)位論文的全部或部分內(nèi)容編入有關(guān)數(shù)據(jù)庫進行檢索，可以采用影印、縮印或掃描等復(fù)制手段保存和匯編本學(xué)位論文。本學(xué)位論文屬于1、保密口，在年解密后適用本授權(quán)書。2、不保密口。(請在以上相應(yīng)方框內(nèi)打“√“)作者簽名：導(dǎo)師簽名：日期：年月日日期：年月日浙江工業(yè)大學(xué)碩士學(xué)位論文郵政儲蓄銀行在寧波地區(qū)小額貸款風(fēng)險管控研究

3、TheResearchofMicroloanRiskControIonNingboPostaISavingsBanksABSTRACTMicroloanisacreditserviceavailableforvulnerablegroupssuchasimpoverishedpopulationandsmallbusinessesItaimstoprovidefmancialservicefortheunderprivilegedcla

4、ssesMicroloanhasmadegreatcontributiontosettlefarmers’loanissues，supportmerchants’productionandoperation，andpromotethedevelopmentofnationaleconomyForeigngovermentshavekeptputtinggreateffortstoprovidethelargenumberofmicrol

5、oancustomerswithpremierfinancialserviceChinawithitsspeedyeconomicandsocialdevelopmentisalsogoingtoconfrontthischallengePSBChaslaunchedmicroloanservicessince2005Aftereightyears，bytakingtheinitiatives，PSBChasmadeexplicitma

6、rketpositioning，accomplishedstrategytransition，andacquiredpracticalexperienceandsatisfiedoperationalresultHowevertherearemanyproblemsthatconstraintthesustainabledevelopmentinvolvedinthemicroloanriskmanagementTherefore，in

7、casetodevelopabettermicroloanbusiness，thekeypointistosolvetheseproblemsTKsPaperstudiesPSBC’SmicroloanriskmanagementandcontrolinNINGBOareaIthasconductedin—depthexplorationandanalysisfocusingonthemanagementmeasuresandtheca

8、usesofproblemsinPSBC’Smicroloanriskmanagementandcontr01砸SPaperarguesthatthereasonsforPSBC’Smicroloanriskaremultidimensionalthemainofwhichincludesthedebtorcreditorrelationships，managementofinternalriskandcontrol，governmen

9、ts’administrativeinterventions，creditenvironment，andlegalsystemconstructionsWitllregardtoPSBC’Smicroloanriskmanagement，thispapergivesoutrelevantmeasuresandpolicysuggestionsKeywords：Postalsavingsbankmicroloan，creditrisk，r