摘要
农村经济主体具有大量分散的小额信贷需求。文章通过对中国邮政储蓄银行开展农村小额信贷业务的优势、劣势、机遇以及挑战的分析,得出邮政储蓄银行开展农村小额信贷总体上具有可行性的结论,并针对其劣势和挑战,从农村信用环境、信贷管理制度、还款保障机制以及业务培训等方面提出了具体的政策建议。
As rural economics bodies have a large sum of dispersive micro-credit demands, based on analysis of their strengths, weaknesses, opportunities and threats in operating rural micro-credit by the Postal Savings Bank of China, the paper thinks it feasible that the Postal Savings Banks of China operates rural micro-credit; Finally, to avoid their weaknesses and threats, some concrete policy suggestions are put forward respectively from rural credit environment, credit management institution, repayment guarantee mechanism as well as operation training.
出处
《乡镇经济》
2009年第10期114-118,共5页
Rural Economy
基金
教育部人文社会科学研究基金"需求导向
竞争适度与功能互补:农村金融体系完善与服务强化研究"(07JA790107)
关键词
农村小额信贷
可行性分析
中国邮政储蓄银行
rural micro-credit
analysis of feasibility
Postal Savings Bank of China
