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2012年以来,作为国内小额贷款业务最早的开拓者之一,中国邮政储蓄银行充分利用网点多、分布广的优势,坚定践行服务“三农”、服务社区、支持县域经济与小微企业发展的理念,全面推进小额贷款业务的产品升级,围绕产业链、销售链和供应链的上下游小微企业,综合开发“小企业+农户/商户”、“连锁贷”等多种业务模式,建立了综合金融服务体系。与此同时,邮储银行总行建成小额贷款评分卡,实现了小额贷款管理与现代技术相结合,建立了科技密集型队伍,小额贷款业务走上了“精耕细作”的集约化发展之路。
Since 2012, as one of the pioneers of microfinance in China, the China Postal Savings Bank has taken full advantage of the advantages of more outlets and wider distribution and firmly implemented the service of “agriculture, rural areas and farmers” to serve the community and support the development of the county economy. Micro-enterprise development concept, comprehensively promote the micro-loan business product upgrades, around the industrial chain, sales chain and the supply chain upstream and downstream small and micro enterprises, the comprehensive development of “small business + farmer / merchant ”And other business models, the establishment of a comprehensive financial services system. At the same time, the headquarters of the Postal Savings Bank built the micro-credit scorecard, realized the combination of micro-loan management and modern technology, established a technology-intensive team, and mini-loan business embarked on the intensive development of “intensive and intensive work” the road.