包商银行包头分行个人信贷业务发展状况及对策研究

发布时间：2018-01-03 11:34

本文关键词：包商银行包头分行个人信贷业务发展状况及对策研究　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国的个人贷款业务相对比较落后,流程不完善、不顺畅已经成为个贷业务发展中的普遍现象。目前国内许多银行都在有意识的对个人信贷业务流程以及经营模式进行优化和提升,但缺乏此方面的专项理论依据。本文希望通过对国内外商业银行个人信贷业务流程以及经营模式进行分析,总结其中的问题以及规律,汲取国外商业银行的成功案例,对商业银行进行个人信贷流程以及经营模式的优化和提升提供思路和建立理论依据。论文共分为以下五个部分：第一部分主要阐明本文的研究背景、动机、目的、方法与论文结构。第二部分进行相关理论的简述,包括个贷业务的定义、特点、分类及内容,同时介绍目前我国个人贷款业务的发展情况进而推断出在新的国内经济形势的挑战下,包商银行包头分行必须有的放矢的对当前个人信贷业务的发展现状及发展策略进行深入的研究,以期获得包商银行包头分行个贷业务的全新发展。第三部分对包商银行包头分行个人信贷业务发展历程、业务现状以及战略、发展中存在的问题进行论述,同时分析问题形成的原因。第四部分介绍国内外商业银行个人信贷业务的模式,并探讨其中有益于包商银行包头分行个贷业务发展的借鉴内容与启示。第五部分从个人信贷业务的定位设计、营销、流程、风险控制四个方面对包商银行包头分行的个贷业务提出战略建议。
[Abstract]:China's personal loan business is relatively backward, the process is not perfect. Not smooth has become a common phenomenon in the development of loan business. At present, many domestic banks are consciously to optimize and enhance the personal credit business process and business model. However, there is no special theoretical basis in this respect. This paper hopes to summarize the problems and rules by analyzing the business process and business model of individual credit of commercial banks at home and abroad. Drawing on the successful cases of foreign commercial banks, this paper provides ideas and theoretical basis for the optimization and promotion of commercial banks' personal credit process and business model. The thesis is divided into the following five parts: The first part mainly explains the research background, motivation, purpose, method and structure of this paper. The second part is a brief description of the relevant theories, including the definition, characteristics, classification and content of a loan business. At the same time, it introduces the development of personal loan business in China and then inferred that under the challenge of the new domestic economic situation. The contractor bank Baotou branch must carry on the thorough research to the present personal credit business development present situation and the development strategy, in order to obtain the contractor bank Baotou branch individual loan service brand-new development. The third part discusses the development of personal credit business of Baotou Branch of the contractor Bank, the present situation and strategy of the business, and the problems existing in the development. At the same time, it analyzes the reasons for the formation of the problems. Part 4th introduces the mode of personal credit business of commercial banks at home and abroad, and probes into the reference contents and revelations which are beneficial to the development of individual loan business of Baotou Branch of the contractor Bank. In the 5th part, the author puts forward the strategic suggestions on the individual loan business of Baotou Branch of the contractor Bank from four aspects of the positioning design, marketing, process and risk control of the personal credit business.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.479;F832.33

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