Analysis Of The Development Strategy Of Personal Loan Business Of Bank Of China Inner Mongolia Branch

Traditional state-owned commercial Banks because of its historical reasons,in business development,regards the company please retail operation habit,but as the country’s economic industrial upgrading,strongly stimulate consumption under the background of economy,the retail highlighted the importance of personal loans to commercial Banks increasingly,together with the rapid development of Internet financial,retail personal loan business of commercial Banks providing opportunities for also poses a challenge,the bank of China,Inner Mongolia,as one of the state-owned commercial Banks in Inner Mongolia,has 20 years of development history,the personal loan business in Inner Mongolia region market share among the best proportion.But due to the changes of internal and external environment,the development of the personal loan business of bank of China,Inner Mongolia branch encounter bottlenecks.And as the country deposit-loan ratio control,gradually tightening lending quotas,the traditional management pattern adjustment is imperative.Under the new situation,therefore,the bank of China,Inner Mongolia need to assess the situation,formulate corresponding personal loan business development strategies and measures.The research content of this paper mainly divided into four parts.First of all,through literature research,understanding on commercial bank personal loan business development at home and abroad research situation;Secondly,this paper introduces the overall situation of the business of bank of China,Inner Mongolia branch,and to use the bank personal loan business in recent years,the basic business data,such as loan amount and the defective rate to analyze its business development situation,the article USES causal analysis method to analyze the present situation of personal loan business of bank of China,Inner Mongolia branch of problems and the causes.Then,using the PEST macro environment analysis and SWOT analysis,analyses the development of personal loan business of bank of China,Inner Mongolia branch macro environment,the advantages and disadvantages as well as the external opportunities and threats facing.Finally,on the basis of previous analysis,on the bank of China,Inner Mongolia personal loan business specific business development strategy is put forward.