Research Report On The Development Of The Personal Credit Business Of The Agricultural Bank Of China XY Branch

As the economy level of our country is enhancing,people's income is increasing while their consumption concept is gradually changing.Under this situation,the personal credit business is developing rapidly.Intensifying global competition in the banking sector,accelerating of the process of China's interest rate marketization and rapid development of the Internet financial are squeezing the profit space of traditional commercial banks,which forces traditional commercial banks to adjust their business strategic to the period,and put the personal credit business as a new profit growth point.Because the development of personal credit business in our country time is not long,commercial banks are generally in the stage of exploration of the management mode.The implementation of "The new Basel Capital Accord(three)" shows that the traditional pursuit of scale expansion isn't adapted to the new market demand.This thesis study the personal credit business of Agricultural Bank of China XY Branch,briefly introduces the present situation of XY branch,main products,processes and risk management of the personal credit business,especially the farmers loan,which present the bank's character.Based on that,the thesis analysis the problems of the bank in the personal credit business development,such as the brand publicity is not attractive enough,the marketing is not fit for the bank,the incentive mechanism is not perfect and the ability of risk management needs to be improved.Combined with the analysis of the internal and external environment of the XY branch,including the analysis of macro environment,the characteristics and resource capacity of the bank,the thesis comes up with the development strategies,which aims at putting forward the personal credit business of the XY branch,with reference to the development experience of personal credit business of domestic and abroad commercial banks.At present,small and medium-sized city has gathered many personal quality customers and personal savings,which has also become a strategic place of developing the individual business.Although the Agricultural Bank of China XY branch distinct orientation with servicing the "three rural issues",the problems that exist in the personal credit business development and the corresponding measures have some enlightening significance for the commercial banks expanding personal credit business market in the future.