ZG Bank A Branch Individual Loan Business Development Research

With the reform of the financial system and the rapid development of the interest rate marketization,the commercial banks are undergoing great changes under the common effects of Internet finance,financial disintermediation and capital supervision.The state-owned commercial banks have chosen to go on the market successively.The rapid development of the joint-stock commercial banks and the continuous entry of foreign banks into the financial market have led to the increasingly fierce competition among the commercial banks.At the same time,as the living standard of the residents is increasing,the demand for residents' consumption is also increasing.As an important asset business of the bank,the personal loan business has developed into a pillar business of various commercial banks because of its relatively decentralized risk,relatively strong profit and relatively stable profit.ZG bank A branch,as one of the state-owned commercial banks,has been improved since its establishment in 1992.By the end of 2017,the bank's personal loan balance reached 10 billion 133 million yuan,occupying a market share of 22.58% in the region;however,the traditional commercial banks paid more attention to the company's business and relatively despised retail sales.The impact of business management concept,ZG bank A branch in the development of personal loan business in the development of individual loans,such as a single loan product,higher personal loan rate in recent years,and the complex examination and approval process of personal loans.The ZG bank A branch has to face the complex and changeable market environment,combined with the specific problems in its own development.The development of personal loan business with the times is formulated.Based on the theory of economics and finance as the basic theoretical basis,the first hand information of ZG bank A branch personal loan business is obtained through years of experience in the banking line,and the multi dimension analysis is carried out on it.The development status of personal loan business of ZG bank A branch is adopted by the method of normative analysis,empirical analysis andhistorical analysis.By analyzing the problems and causes in the development,it is found that the ZG bank A branch has a single loan product in the development of personal loan business,the increase of the bad rate of personal loan business and the complicated examination and approval process of personal loan.It also analyzes the causes of these problems from the aspects of product innovation,performance assessment,system technology level,personal loan practitioners' professional quality and post loan management.Finally,the paper puts forward solutions to the development of ZG bank A branch personal loan business: first,strengthen the innovative consciousness and enrich the product system;second,improve the performance appraisal system of personal loan business;third,optimize the individual loan business process;fourth,strengthen the personal loan line team construction;Fifth,strengthen the personal loan industry Management of business risk.This paper is the author's experience in ZG bank A branch for years to engage in personal loan business experience,and hope to provide some reference value for the development of ZG bank A branch or even domestic commercial bank's personal loan business.