从被大银行“叫好不叫座”的小额信贷做起,四年时间,小额信贷已经成了中国邮政储蓄银行16万员工的“吃饭”业务。但信贷审批权力下放造成的风险控制难题,仍然高悬头顶。首担其责,该行年轻的信贷部总经理朱大鹏肩头担子不轻。转型“利器”邮储银行成立之初,因其网点遍布城乡、人员众多,被称为国内“第五大银行”。事实上,对工、农、中、建四大行来说,这个新加入的“兄弟”确实有着让人眼馋的资本:没有不良 Starting with microfinance, which was “not to be applauded by big banks,” microfinance has become the “food” business for 160,000 employees of China Postal Savings Bank for four years. However, the risk control problems caused by the decentralization of credit approval power are still hanging over the top. First assume its responsibility, the bank’s young general manager Zhu Dapeng shoulders the burden is not light. Transformation “weapon ” The beginning of the establishment of Postal Savings Bank, because of its outlets throughout urban and rural areas, many staff, known as the “fifth largest bank ”. In fact, for the four big firms including industry, agriculture, medium and construction, the new “Brotherhood” does indeed have a craven capital: no problem