Research On Personal Credit Standardization Management Of China Citic Bank Shijiazhuang Branch

since the reform and opening up in 1978,the market economy is flourishing,the income of residents is increasing,the living standard is improving,the disposable income of residents is obviously improved,the demand for housing and cars increase,the concept of consumption changes,and personal credit business is produced and developed.Personal credit refers to the loans issued by banks to individuals to meet their various financial needs,as an effective financing means to become a choice of consumer funds,and also become an important aspect of commercial bank loan business,and play an important role in the development of national economy.Personal credit business is significant,it is not only a source of income,but also can spread risk,and promote the adjustment of credit structure and improve the quality of credit.For the macro-economy,it can not only solve the financial needs of residents,improve the living standard of residents,but also expand domestic demand,promote consumption,and drive the development of our national economy.Under the background of the integration of Beijing,Tianjin and Hebei,the industry and function of Beijing urban area continue to alleviate and reduce the radiation scope,which is a huge development opportunity for Hebei.The integration of Beijing,Tianjin and Hebei is in full swing,and ushered in the explosive development opportunities,the regional advantages of Shijiazhuang gradually appeared.In order to further implement the requirements of" xiaoweihua,standardization,factory,network" development mechanism and retail secondary transformation of citic bank in strategy,Shijiazhuang branch of citic bank implemented personal credit standardization management in March 2015,standardized management consists of three parts:one is the centralized model of gedai marketing center;Second,the centralized model of" credit factory";Third is product manager.Namely,unified the individual credit business in Hebei province under the centralized test paper,centralized approval,centralized lending,centralized management.The content includes:collection and investigation,loan review and approval,mortgage and registration,loan issuance,filing and warehousing,bad loan collection and asset preservation,each branch is responsible only for business marketing and recommendation.Combined with the work practice,this paper expounds the background and standardization management of personal credit standardization management in Shijiazhuang branch,and puts forward countermeasures and suggestions to personal credit standardization management,hoping to improve work efficiency and service quality,control loan risk,optimize credit asset structure,improve competitiveness and promote the healthy and stable development of our bank.Personal credit is the inevitable product of economic development,is a powerful promoter of social consumption,the study of this paper has a certain reference significance to the development of personal credit business of other commercial banks.