小额贷款业务是中国邮政储蓄银行面向农户和商户(小企业主)推出的贷款产品。作为邮储银行成立后开办的一项资产类业务,小额贷款业务走向市场以来,因其具有无抵押、放款快等优势迅速得到了客户的认可,业务发展形势良好。目前,邮储银行小额贷款结余已超过1000亿元,成为邮政金融类业务,特别是邮储银行自营业务收入的主要增长点。 Microfinance is a loan product launched by China Postal Savings Bank for farmers and businesses (small business owners). As an asset-based business opened after the establishment of Postal Savings Bank, the micro-loan business has quickly gained the recognition of customers because of its advantages of being unsecured and lending fast and has enjoyed a sound business development. At present, the balance of small loans of the Postal Savings Bank has exceeded 100 billion yuan and has become the major growth point for the postal financial businesses, especially the self-operated business receipts of the Postal Savings Bank.