[抵押经营贷款1.docxVIP

论文摘要在个人贷款业务中,个人住房抵押贷款成为了银行个人贷款中重要的一个组成部分,其具有还款期限长、贷款数额大等特点。随着我国银行业个人住房抵押贷款的迅速发展以及部分地区的房地产价格的迅速飘升,住房抵押贷款的重要地位逐渐显现出来。目前国内许多银行也在对自身的个人贷款流程和模式进行流程改造，争取通过合理、流畅的业务流程带来个贷业务的高速、稳健发展，建立现代化、规范化、高效化的个人贷款流程成为了我国各家商业银行探索的重点。本论文想通过对现在个人贷款项下的抵押贷款业务流程的介绍和分析，结合外国先进体系对我国商业银行抵押贷款业务进行流程再造研究，希望通过此次研究对商业银行进行个贷流程的改造提供思路和帮助。 [关键词]：个人贷款业务，抵押贷款业务，工作流程AbstractAt present, many domestic banks are for their own personal loan process and model transformation process towards the adoption of a reasonable, smooth business processes loan business to bring high-speed, stable development, the establishment of a modern, standardized, efficient personal loan process has become Our commercial banks to explore the focus.Chinas commercial banks have been increasing emphasis on retail business development, personal loan business is becoming the focus of development of Chinas commercial banking business and profit?In the personal loan business, individual housing mortgage bank personal loans became an important part of having a long repayment period, a large amount of the loan and so on. With the rapid development of individual housing mortgage loans of the banking sector and the real estate prices in some areas of rapid drift liters, an important position mortgage gradually revealed.This paper wants to mortgage business process now under personal loans presentation and analysis, combined with foreign advanced system for Chinas commercial banks loan business process reengineeringResearch, hope that through this research to transform the commercial banks loan process and provide ideashelp.?[Keywords]: personal loans, mortgage business, workflow中国商业银行抵押贷款流程分析你好:论文经过几次修改,结构仍然很乱,思路不清晰.建议结构简单化, 便于写作.调整为:一我国商业银行现行个人贷款业务流程模式二我国商业银行现行个人贷款业务流程模式存在的问题三改善建议目录中文摘要与关键词论文摘要..................................................1 ABSTRACT...................................................2第一章 国内外抵押贷款业务发展现状对比....................4第二章 国内外商业银行现行抵押贷款业务的流程对比........................................................4一、我国商业银行现行个人贷款业务流程