Research On Performance Management Of Personal Loan Business In China MinSheng Bank

The personal loan business of commercial Banks include personal business loan business and personal consumer loan business,personal business loans refers to micro geared to the needs of small business owners and individual and industrial and commercial door head for operating revolving loan,and personal consumer loan refers to the individual customers to provide loans for consumption.Personal business loan service service objects,small micro enterprises and individual industrial and commercial households is an important part of our market economy,the quantity,wide distribution,not only created enormous wealth to the nation and taxes,and for countries to provide a large number of employment opportunities,but because of its small size,short life cycle,management is not standard,poor resistance to market risk characteristics,lead to the "financing difficulties,financing your problems,make its development have been blocked,thus to promote development of personal business loan business has very important meaning for the economic development of China.At the same time,the consumption as one of the troika of our country's economy,its importance is self-evident,and personal consumer loan can not only stimulate consumption,and can meet the needs of the people improve the standard of living,thus promote the development of personal consumer loan business to the economic development of China also has very important significance.To sum up,the research and development of commercial bank's personal loan business have very necessary practical significance,and the rapid and healthy development of the business needs to establish a reasonable performance management system.At first,this paper used the literature research,collecting and combing the domestic and foreign scholars on performance management related research reports and papers,to improve and optimize the performance management system of our country commercial bank.Combining case analysis at the same time,the selection of China MinSheng Bank performance management system as case analysis,focus organizational performance management,from the perspective of development of personal loan business,analyzes the current situation of the development of the people's livelihood bank institution transference to analysis the advantages and disadvantages in development,and combining the MinSheng Bank's current expansion of personal loan business opportunities and challenges,establish more reasonable and effective performance management mechanism,the development of our country commercial bank to better personal loan business has certain reference significance.