金融保险商业银行信贷.pdf

金融保险商业银行信贷 我国商业银行消费信贷问题研究 摘要 本文以消费信贷的发展理论和现状为出发点，对当今我国商业银行的消费信 贷体系的发展历史和现状存在的问题进行了系统性的研究，分析总结出了目前我 国消费信贷体系所面临的瓶颈问题，揭示了该体系在在当前的发展过程中所需要 解决的问题。在此基础上，提出了优化发展消费信贷业务的措施和策略。分析讨 论得出：消费信贷业务在我国近几年已得到了快速发展，其仍存在巨大发展潜力， 政府相关部门应为消费信贷业务的进一步发展创造宽松的环境，同时，我国商业 银行的发展应当积极借鉴其他国家的成功案例，全力解决信贷业务发展过程中遇 到的种种问题，提高自身的市场竞争力。其次商业银行需要明确的指导思想来引 导消费信贷业务的发展：准确掌握信贷业务发展的阶段；以客户为本，快速反应 市场发展；突出信贷业务发展的重点，加强风险防范措施的实施，追求成本效益。 再者商业银行要注重优化消费信贷业务的经营管理策略，其包括：建立专业的经 营管理机构，实现消费贷款证券化，树立现代经营理念，将消费贷款业务与保险 业务相结合；建立风险管理模式，完善信贷风险管理，严格掌控风险贷款；建立 公平公正的激励约束机制，培养消费信贷发展需要的管理人才；采用先进的信息 管理技术，实现系统的统一管理。还有信贷业务营销策略的优化，其包括：结合 现状以经济发达地区为业务发展重点，实现市场拓展的目标；加强中等收入的客 户拓展；重视交叉营销；加强业务宣传力度。最后是国家政策和法律法规策略的 优化，包括：建立和完善个人信用制度；完善消费贷款的担保制度；政府加大 消费信贷的支持力度；实行浮动贷款利率和提前偿还罚息制度。 关键词：商业银行;消费信贷;经营管理;市场营销;发展策略 Abstract In this paper, we carry on a systematic study on the problems of the history and current situation of the development of consumer credit system in nowadays China commercial banks from the development of the theory of consumer credit and the status quo. Through analyzing sum up the bottleneck problem faced by the consumer credit system and reveal the need to solve the problem of the system in the current development process. On this basis, Put forward the proposed measures and strategies to optimize the development of the consumer credit business. Reach conclusion by analysis and discussions: the consumer credit business in China has been developed rapidly in recent years, there is still a huge potential for development, and the relevant government departments should create a relaxed environment for the further development of the consumer credit business, at the same time, the development of Chinas commercial banks should be actively learn from the success stories of other countries, effort to solve the problems encountered in the credit business development process, In order to improve their