Study On The Mode Of Retail Lending For T Bank

In recent years,under the dual market background of interest rate marketization and financial disintermediation,city commercial banks formerly concentrate on secondary industry and tertiary industry credit,had shifted their business center to retail credit business such as personal consumption loans,individual business loans and SME loans.However,due to weak technological strength and poor reserve of technical talents,most of the city commercial banks had to work with internet companies in developing internet-basing financing business.Taking T bank for example,in year 2018,its personal consumption loan business had increased by 785.9% resulting an increase of 48% in overall loan granted,owing to “joint loan mode” put on operation.Nevertheless,the problems lies in the authenticity and legal validity of the customer groups,high dependence in business and risk management,lack of security system,are to be solved.This paper takes T bank's "e commercial loan" product as the research object,from the cooperation object,the credit customer group,the business process,the risk control and the safeguard system five aspects,summarizes the T bank to adopt the "cooperation mode" to develop the retail credit strategy,and points out the existing problems of the model at present.Then we analyze the environment facing the development of T bank's "e commercial loan ",construct the SWOT matrix of the development of " e commercial loan " and choose the development strategy.Finally,combined with the supervision policy,from four aspects of customer group screening,process optimization,wind control management and safeguard measures,the optimization countermeasures of T bank cooperation mode are put forward.The result of this paper shows that on the one hand,influenced by the transformation of macro-economic and financial environment,the development of T Bank's traditional business had become stagnant,on the other hand,the regulatory requirement that promotes the acceleration of “Two Increases & Two Controls”,the loosened tolerance of defective loans,and the establishment of accountability exemption policy is opening an dividend window,therefore,T Bank's business shifting to retail loan is necessary and feasible.Specifically,the “E-Commerce Loan” product is essentially a novel cooperative retail loan model: platform partners recommend and select customers,Internet bank assigns,approves,grants the loan and manages the post-loan supervision and profit distribution,T Bank provides the fund for loans.Although this mode of cooperation to some extend promotes T Bank's development of retail financing,there are obvious issues lies within: absenting itself from the procedure of customer selection and risk control,customer enquiry,overdue collection and fund settlement,T Bank practically descends into merely a fund provider.Highly depended on partner Internet Banks' anti-fraud and risk control technology,T Bank is confronting with tremendous systematical default risks which will become an obstacle in its development of retail loan business.