摘要................................................................................................................................I 目录.............................................................................................................................IV 图清单......................................................................................................................VIII 表清单...........................................................................................................................X 1绪论............................................................................................................................1 1.1研究背景.................................................................................................................1 1.2研究意义.................................................................................................................2 1.3国内外研究现状和发展趋势.................................................................................3 1.4研究内容及方法.....................................................................................................8 1.5技术路线图...........................................................................................................10 2邮储银行M分行小额贷款业务发展现状............................................................11 2.1邮储银行M市分行概况.....................................................................................11 2.2邮储银行M市分行小额贷款发展现状.............................................................14 2.3邮储银行M分行小额贷款竞争环境分析.........................................................18 3邮储银行M分行不良贷款现状与案例分析........................................................23 3.1小额贷款不良贷款现状.......................................................................................23 3.2M分行小额不良贷款案例分析...........................................................................24 3.3近3年银行内部责任认定的不良贷款成因分析...............................................28 4邮储银行M分行小额信贷不良贷款管理存在的问题及原因分析....................31 4.1M分行小额信贷不良贷款管理存在的问题分析...............................................31 4.2外部因素分析.......................................................................................................33 4.3内部因素分析.......................................................................................................34 5邮储银行M分行小额信贷不良贷款管理的SWOT分析..................................37 5.1优势分析...............................................................................................................37 5.2劣势分析...............................................................................................................38 5.4威胁分析...............................................................................................................40 5.5分析与结论...........................................................................................................41 6M分行小额贷款业务不良贷款管理策略..............................................................43 6.1降低小额不良贷款存量.......................................................................................43 6.2控制不良贷款增量...............................................................................................45 V 7研究结论及展望......................................................................................................52 7.1研究结论...............................................................................................................52 7.2局限与展望...........................................................................................................52