目前,各地邮政储蓄银行的小额贷款业务发展迅猛,但同时也存在着不同程度的贷款拖欠问题。本文认为贷款拖欠是一个管理问题,分析了邮储银行小额贷款业务发生拖欠的原因,并就邮储银行如何对小额贷款业务的拖欠问题进行管理提出了相应的解决对策及建议。 At present, the micro-loan business of Postal Savings Banks has been developing rapidly everywhere, but there are also different levels of loan arrears. This paper argues that loan delinquency is a management issue, analyzes the reasons for the default in the microfinance business of the Postal Savings Bank, and puts forward some countermeasures and suggestions on how the Postal Savings Bank manages the default of the small loan business.