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随着改革开放事业的深入发展和我过社会主义市场经济的持续繁荣,我国整个社会都获得了极为迅猛的发展,在这一过程中,金融业无疑是发展最为深入、范围最为广泛的领域之一。在当前的金融实践中,小额贷款已经成为我国邮储银行最终重要的业务之一,为社会经济的促进作用和邮储银行自身的发展起到了极为重要的作用。本文对当前邮储银行进行小额贷款的实践经验进行分析,并且根据这些实践经验提出相关建议,以期为学界和业界提供相应的借鉴,最终促进邮储银行小额贷款相关实践工作的有效发展,为我国经济的腾飞提供坚实的动力。
With the in-depth development of the cause of reform and opening up and the continuous prosperity of the socialist market economy, the entire society in our country has enjoyed extremely rapid development. In this process, the financial industry is undoubtedly the most developed area and the most extensive area one. In the current financial practice, microfinance has become one of the ultimate important businesses of China’s Postal Savings Bank. It plays an extremely important role in promoting social economy and the development of Postal Saving Bank itself. This paper analyzes the practical experience of current postal savings bank microfinance, and puts forward some suggestions based on these practical experiences in order to provide reference for the academic community and the industry, and ultimately promote the effective development of related practice of microfinance in Postal Savings Bank, Provide a solid impetus for the economic take-off of our country.