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当前,随着利率市场化的推进、金融改革的深入和互联网金融的冲击,面对FTP调整、息差收窄、风控能力薄弱等多重压力,“三农”业务、个商业务、小微业务等经营性贷款业务已成为邮储银行经营转型升级的重要抓手。邮储银行陕西省汉中市分行在积极推进经营性贷款强行的战略中,坚持“管理能力决定发展能力”的理念,不断修正工作中存在的问题和不足,强化队伍建设,夯实发展根基,实现了“市场从小到大、
At present, with the advancing marketization of interest rates, the deepening of financial reform and the impact of internet finance, in the face of the multiple pressures such as the adjustment of FTP, the narrowing interest spread and the weak ability of risk control, the ”three rural“ business, The business of small loans and other business loans has become an important starting point for the operation and transformation of the Postal Savings Bank. In its strategy of actively promoting commercial loans, the branch of the Postal Savings Bank of Shaanxi Province in Hanzhong City adheres to the concept of ”managing ability decides development ability“, constantly amends the problems and shortcomings in the work, strengthens team building, reinforces the foundation of development, Achieved a ”market from small to large,