小额贷款:转型打造升级版

• 作 者: 吉奉刚
• 机 构: 中国邮政储蓄银行战略发展部,
• 出 处: 中国邮政
• 发表日期: 2014年02期
• 关键词: 金融市场体系 金融机构准入 金融业务 普惠 邮储银行 竞争者 技术进步 小微 二级分行 保持市场

十八届三中全会首次将“发展普惠金融”纳入“完善金融市场体系”框架中,引发各方热议。在金融生态持续改善、金融机构准入放开、互联网技术进步的推动下,越来越多的竞争者开始以各种不同方式进入这一领域。邮储银行要保持市场影响力,就必须加快由普惠金融“先行者”向“引领者”的角色转变。这一转变的关键仍在于小额贷款——最具代表性的普惠金融业务。在2013年主动暴露风险、消除发展隐患之后,

For the first time, the Third Plenary Session of the 18th CPC Central Committee has included “developing inclusive finance” into the framework of “improving the financial market system,” arousing heated discussions among all parties. Driven by the continuous improvement of financial ecology, the liberalization of access to financial institutions and the advancement of Internet technology, more and more competitors are beginning to enter this area in various ways. In order to maintain its market influence, the postal savings bank must speed up its transformation from a “Pioneer” to a “Leader.” The key to this shift is still microfinance - the most representative inclusive financial business. After taking the initiative to expose risks in 2013 and eliminate hidden dangers for development,