Research Report On Personal Loan Business Of Bengbu Branch Of CITIC Bank

Personal loan business is an important part of bank retail business.It is related to people’s lives are closely related to the bank loan business.With the continuous development of China’s economy,the change of people’s consumption concept,the commercial bank’s personal loan business volume is increasing,people’s demand for loan consumption is increasing.At the same time,some problems exposed by the development of personal loan business have also become the focus of the bank,the increase of credit risk and the development of personal loan business in China.At present,China’s personal loan business is still in its infancy,and developed countries mature personal loan system there is a certain gap.Therefore,the research on the personal loan business of the commercial banks in the characteristic area has certain practical significance to the development of China’s commercial banks’ personal loan business.This paper analyzes the supply of personal loan business of Bengbu branch of CITIC Bank and analyzes the types of personal loan business of Bengbu branch of CITIC Bank and the scale of recent years,and then from the aspect of demand,Understand the basic situation of customers participating in personal loan business and feedback to CITIC Bank Bengbu branch personal loan business.Secondly,this paper analyzes a series of problems existing in the personal loan business of Bengbu branch of CITIC Bank from the aspects of risk management,business scale and strategic layout.The risk management includes the problem of risk assessment system,the problem and information of internal risk Asymmetric issues,the business structure includes the small scale of the individual loan business.The strategic layout includes market positioning and the impact of Internet loans.Finally,according to the existing problems combined with CITIC Bank Bengbu branch of the actual situation of personal loans to give their development of personal loans business related countermeasures and suggestions.Such as: strengthening risk management,increase the scale of personal loan business and strategic layout-related strategies.