邮政储蓄银行小额信贷之路初探

邮政储蓄银行已正式挂牌，在社区银行定位的同时被委以服务于农村的重任。组建邮政储蓄银行，实施邮政储弩金融业务的专业化经营不仅符合国际邮政储蓄金融制度变革的潮流，而且对推动我国金融体制改革的深化，进一步完善我国金融市场的建设具有十分积极的意义。本文对邮政储蓄银行成立后开展小额信贷业务的可行性、必要性及经营战略进行了一些探索，以期对新成立的邮政储蓄银行有所借鉴。

An approach to microcredit in the postal savings bank

Having been set up formally,the postal savings bank is determined to be a community bank and to serve rural areas.Setting up the Postal Savings Bank to implement the professional management of financial busi- ness of the postal savings does not only conform to the trend of the reform in the financial system international postal savings,but also is of positive significance to promote the reform in China's financial system and further improve the establishment of China's financial market.This article discusses about the feasibility,necessity and business strategy of the microcredit in the postal savings bank so as to be used as a reference for the new bank.