小额贷款是邮储银行积极服务“三农”、支持社会主义新农村建设的基础性信贷产品。作为有效解决农户、商户和私营企业主贷款难问题的一项重要服务内容,小额贷款已经成为代表邮储银行形象的金融品牌。但随着微型金融市场竞争的日益激烈,邮储银行的小额贷款业 Microfinance is a basic credit product that the Postal Savings Bank actively supports “agriculture, rural areas and farmers” to support the building of a new socialist countryside. As an important service for effectively solving the problem of loans to farmers, merchants and private business owners, microfinance has become the financial brand that represents the image of Postal Savings Bank. However, with the increasingly fierce competition in the microfinance market, the microfinance industry of Postal Savings Bank