秦皇岛国有商业银行个人消费信贷的现状与对策研究

On the Individual Consumption Credit in the State-owned Commercial Banks in Qinhuangdao:The Present Situation and the Countermeasures

个人消费信贷是国有商业银行信贷业务的新兴领域,对银行拓展服务领域,取得竞争优势有着重要意义。本文在对秦皇岛市国有商业银行个人消费信贷现状的调查基础上,通过比较分析,找出个人消费信贷发展的制约因素,并提出相应的对策及建议。

As a newly arising area of credit business by the state-owned commercial banks, the individual consumption credit business plays a very important part in expanding their areas of business service and to make them more competitive in the financial service market. Supported by the investigation of the present situation of the individual consumption credit business by the state-owned commercial banks in Qinhuangdao, and by means of contrastive analysis, this paper comes to examine the factors that restrict the development of individual consumption credit business, and finally, the countermeasures to deal with the situation are suggested.