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邮储银行山西分行自2008年开办小额信用贷款业务以来,有力推动了储蓄资金回流当地农村,有效缓解了县域贷款难的问题。但在业务快速发展的同时,出现了信贷管理不规范、贷款“三查”制度执行不到位等问题。如,邮储银行山西晋中某支行曾因小额贷款不良率较高而被上级部门暂停办理信贷业务。在深入该支行调研的基础上,笔者就邮储银行基层支行如何规范小额信贷管理,实现“又好又快”发展做了相关分析,并提出建议。
Since the opening of the micro-credit loan business in 2008, the postal savings bank Shanxi Branch has effectively promoted the return of savings funds to the rural areas and effectively alleviated the difficulty of county-level loans. However, with the rapid development of the business, there emerged issues such as the non-standard credit management and the implementation of the “three checks” system of loans. For example, a branch of the postal savings bank in Shanxi Jinzhong had been suspended for credit business by higher authorities due to the high rate of non-performing loans for small loans. On the basis of in-depth investigation of the sub-branch, the author made a related analysis on how to standardize the management of micro-credit in the basic sub-branch of the Postal Savings Bank and realized the development of “good and fast” and put forward suggestions.