H省邮储银行涉农小额信贷竞争战略研究

【作者】 王洋；

【导师】 国福丽； 齐永华；

【作者基本信息】 黑龙江大学 ， 工商管理硕士（专业学位）， 2017， 硕士

【摘要】 我国是典型的二元经济结构,农村发展滞后。制约农村和农业发展的一个重要因素是资金匮乏,因此在农村发展小额信贷金融服务尤其重要。H省是农业大省,涉农信贷资金的需求十分旺盛,而提供涉农信贷业务的供给方则呈现多元化特征。目前,邮储银行和农信社、龙江银行、农业银行、村镇银行等多家金融机构均开设了涉农小额贷款业务,共同形成了H省涉农金融市场的竞争格局。本文站在邮储银行的角度,对H省涉农小额信贷市场发展的现状进行研究,分析邮储银行在整个市场中的竞争优势、劣势、外部机遇和面临的挑战,并据以提出邮储银行未来发展的竞争战略以巩固其市场地位,提高涉农小额信贷业务的经营效率。更多还原

【Abstract】 China is a typical dual economic structure and rural development is lagging behind.One of the most factors that restrict the development of agriculture and rural areas is the lack of funds.So it is important to development microfinance in rural areas.H Province is a major agricultural province,the demand for agricultural credit funds is very strong,while the supply side of agricultural credit business is showing diversity.Currently,the Postal Savings Bank and Rural Credit Cooperatives,Longjiang Bank,Agricultural Bank of China,Rural Banks and other financial institutions set up the competitive formation in H provincial agricultural financial market.This paper stands in the angle of the Postal Savings Bank,try to research status of H province rural credit market development in H province,analysis advantages and disadvantages,external opportunities and challenges of the Postal Savings Bank in the market’s competition,and put forward the competitive strategy of the postal savings bank in the future to consolidate its market position,improve the rural micro credit business efficiency.更多还原