This article introduces the status quo of consumer credit business in China's agricultural bank,indicating that the scale of China's consumer credit business is expanded year by year;the growth of consumer cre...This article introduces the status quo of consumer credit business in China's agricultural bank,indicating that the scale of China's consumer credit business is expanded year by year;the growth of consumer credit business slows down;housing loans grow rapidly.We analyze issues concerning development of consumer credit business in agricultural bank as follows:single variety of consumer credit business makes the operating scope narrow;the formality of consumer credit business is trivial,abating consumers' will to borrow;consumers' consumer attitudes are stale,yet to be further changed;the loan interest of consumer credit is beyond the majority of consumers' actual ability to pay;the existing regulations and systems are not sound;the risk prevention mechanism is not perfect.Based on this,we put forward the following countermeasures and proposals for further improving consumer credit business in China's agricultural bank:first,formulate reasonable marketing strategy of consumer credit business;second,establish and improve the internal management mechanism;third,establish and improve risk assessment system;fourth,improve consumer credit legal system.展开更多
China's listed banks are very important to China's entire stock market and banking industry,and even to China's GDP,and the study of their competitiveness is of great significance. The ranking of competiti...China's listed banks are very important to China's entire stock market and banking industry,and even to China's GDP,and the study of their competitiveness is of great significance. The ranking of competitiveness and how to improve the competitiveness are important topics of in-depth studies. Among listed banks,Agricultural Bank of China is particularly worthy of attention due to its close relationship with agriculture. Related domestic studies mainly include design of evaluation indicators of listed banks,recommendations for improving the competitiveness of listed banks,and factor analysis on the competitiveness of listed banks. Through extracting the concept of differentiated competitiveness from works of scholars in other fields,this paper explained the competition pattern of China's listed banks. Finally,it came up with recommendations for Agricultural Bank of China improving its differentiated competitiveness.展开更多
基金Supported by Key Project of National Natural Science Foundation (70673079)Project of Shaanxi Provincial Department of Education (11JK0061,04JK280)+1 种基金Project of Shaanxi Provincial Department of Science and Technology(2011KRM41,2006KR80)Project of Xi'an University of Science and Technology(J10008,GJY-2009-YB-10,GJY-2010PY-1,JG08029,JG08010,Cultivation Foundation 200708)
文摘This article introduces the status quo of consumer credit business in China's agricultural bank,indicating that the scale of China's consumer credit business is expanded year by year;the growth of consumer credit business slows down;housing loans grow rapidly.We analyze issues concerning development of consumer credit business in agricultural bank as follows:single variety of consumer credit business makes the operating scope narrow;the formality of consumer credit business is trivial,abating consumers' will to borrow;consumers' consumer attitudes are stale,yet to be further changed;the loan interest of consumer credit is beyond the majority of consumers' actual ability to pay;the existing regulations and systems are not sound;the risk prevention mechanism is not perfect.Based on this,we put forward the following countermeasures and proposals for further improving consumer credit business in China's agricultural bank:first,formulate reasonable marketing strategy of consumer credit business;second,establish and improve the internal management mechanism;third,establish and improve risk assessment system;fourth,improve consumer credit legal system.
文摘China's listed banks are very important to China's entire stock market and banking industry,and even to China's GDP,and the study of their competitiveness is of great significance. The ranking of competitiveness and how to improve the competitiveness are important topics of in-depth studies. Among listed banks,Agricultural Bank of China is particularly worthy of attention due to its close relationship with agriculture. Related domestic studies mainly include design of evaluation indicators of listed banks,recommendations for improving the competitiveness of listed banks,and factor analysis on the competitiveness of listed banks. Through extracting the concept of differentiated competitiveness from works of scholars in other fields,this paper explained the competition pattern of China's listed banks. Finally,it came up with recommendations for Agricultural Bank of China improving its differentiated competitiveness.
