中信银行个人贷款业务问题分析及对策——以中信银行蚌埠分行为例

Analysis and Countermeasures to the Personal Loan Business of CITIC:Taking the Bengbu Branch of CITIC Bank as an Example

随着我国经济的不断发展,人们的消费观念的转变,商业银行的个人贷款业务量不断加大,人们对于贷款消费的需求不断增加。文章以中信银行蚌埠分行为调研对象,针对中信银行蚌埠分行个人贷款业务的供给情况,利用问卷调研法从风险管理、业务规模和战略布局三方面,分析了目前中信银行蚌埠分行个人贷款业务存在的一系列问题,根据存在的问题并结合中信银行蚌埠分行个人贷款业务实际情况给出其发展个人贷款业务的相关对策建议。

With the continuous development of China's economy,the change of people's consumption concept,the commercial bank's personal loan business volume is increasing,people's demand for loan consumption is increasing.At the same time,some problems exposed by the development of personal loan business have also become the focus of the bank,the increase of credit risk and the development of personal loan business in China.At present,China's personal loan business is still in its infancy,and compared to developed countries mature personal loan system there is a certain gap.Therefore,the research on the personal loan business of the commercial banks in the characteristic area has certain practical significance to the development of China's commercial banks'personal loan business.