建设银行个人信贷业务发展对策及研究摘要2001年,随着我国加入WT0,特别是2008年国际金融危机之后,我们的银行业受到了很大的冲击。随着过去十年间,随着国内经济的飞速发展,以消费为导向的理念日益被人们所接受,与之相应的,“早消费”的理念正在逐步地被人们所接受,与之相应的“早消费”理念正在逐步地被人们所接受,人们不再单纯地以自己的财产为中心来进行消费,所以,在众多的商业机构中,贷款服务显得尤为突出,而且还在不断地被细分成各种类型,在这些机构中,个人信用服务成为了近年来最为火热的一项服务,它的出现使得更多的人们愿意去消费,愿意去消费,从而扩大了消费的范围,促进了整个社会的发展。中国建行是我国四大商业银行中最具代表性的一家,它的个人贷款也是其中的佼佼者。所以选择建行作为分析对象进行个人贷款业务发展的切入点是比较恰当的。本论文主要是针对建行的个人信贷业务展开的,其主要内容是:搜集了建行近年来的有关资料,并对其进行对比,剖析了建行的有关个人信贷业务,并剖析了这些年来在发展中存在的问题,并就这一点,给出了一些自己的看法,并对建行的管理体制和信用体制进行了深入的剖析,并针对这些问题,提出了相应的对策,如:在员工配置上做出相应的调整,增加对放款者的服务和监督力度,从而达到提高放款者满意度和监督效率的目的。关键词:中国建设银行:个人信贷业务:发展对策AbstractIn 2001,with China's accession to the WTO,especially after the international financialcrisis in 2008,our banking industry suffered a great impact.Over the past ten years,with a,Withthe rapid development of the domestic economy,The consumption-oriented concept isincreasingly accepted,And,accordingly,The idea of "early consumption"is gradually beingaccepted,The corresponding concept of "early consumption"is gradually being accepted,Peopleno longer focus solely on their property to consume,so,Among the numerous businessinstitutions,Loan services are particularly prominent,And it's constantly being subdivided intodifferent types,In these institutions,Personal credit services have become one of the mostpopular services in recent years,Its emergence has made more people willing to consume,Willing to consume,Thus expanding the scope of consumption,Promoted the development ofthe whole society.China Construction Bank is the most representative of China's four majorcommercial banks,and its personal loans are also the best.Therefore,it is appropriate to chooseCCB as the analysis object as the entry point for the development of personal loan business.This paper is mainly for CCB personal credit business,its main content is:collected therelevant information in recent years,and compare it,analyzes the CCB personal credit business,and analyzes the problems in the development over the years,and on this,gives some of theirviews,and the CCB management system and credit system of the deep analysis,and to theseproblems,put forward the corresponding countermeasures,such as:make correspondingadjustments on the employee configuration,increase the lender service and supervision,so as toachieve the purpose of improving lender satisfaction and efficiency of supervision.Key word:China Construction Bank;personal credit business;development countermeasures目录第一章绪论1.1研究背景与目的意义1.1.1研究背景.1.1.2研究目的和意义1.2国内外研究现状21.2.1国内现状.21.2.2国外现状21.3研究内容与研究方法.31.3.1研究内容.3第二章个人信贷业务概念.…2.1个人信贷业务.2.1.1个人信贷业务类别与特征42.1.2个人信贷业务作用52.1.3个人信贷业务流程...62.2个人信贷业务相关理论基础..62.2.1个人信贷业务所存在的风险.6第三章建设银行个人信贷业务…..83.1中国建设银行近几年个人信贷业务状况83.2建设银行个人信贷业务的变化趋势93.3建设银行个人信贷业务转型的成果…。.9第四章个人信贷业务存在的问题与成因..104.1个人信贷业务面临的挑战104.2建设银行个人信贷业务发展所存在的问题…114.2.1建行个人住房类贷款增长减缓114.2.2个人信贷业务内部监管问题.….114.2.3个人信贷业务流程制度的固执化….124.2.4市场竞争能力不足.…..124.3存在问题的原因分析….134.3.1内部监管体系不完善监管不重视13
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