个人贷款业务问题分析.docxVIP

目 录 TOC \o 1-3 \h \z \u 摘 要 I Abstract II 引 言 1 1 银行个人贷款业务现状 4 1.1银行个人贷款业务所占比重 4 1.2银行个人贷款业务人员数量 4 1.3银行个人贷款各产品比重 5 2 银行个人贷款业务存在的问题 7 2.1 个人贷款业务放款总额所占比重较小 7 2.2 个人贷款业务产品盈利结构失衡 7 2.3 服务效率低质量差 8 2.4营销策略落实无法达到预期效果 8 3 银行个人贷款业务问题存在的原因 10 3.1 银行对个人贷款业务重视度较低 10 3.2 个人贷款业务推广不全面 10 3.3 缺少定期员工技能和服务的内容培训 11 3.4营销策略的选择与企业发展不符 11 4 提升银行个人贷款业务水平的策略 13 4.1提高银行对个人贷款业务发展的重视度 13 4.2加大产品推广力度 13 4.3完善个人贷款业务人员培训体系 14 4.4制定差异化营销策略 14 结 论 16 参考文献 17 致 谢 19 PAGE II 摘 要 随着我国经济的飞速发展，国民生活水平的提高，国家为了促进国民消费水平的提升，大力推动银行个人贷款业务的发展，个人贷款业务作为银行发展的重要组成部分，具有种类多、时间灵活、便捷的特点，成为如今主要的消费模式之一，但是从银行的发展重心来看，银行贷款业务普遍存在“重企业，轻个人”的情况，致使银行个人贷款业务发展受限。 为此，本文以银行个人贷款业务为研究对象，采用对比分析法、数据分析法和实地调查法等研究方式，对银行个人贷款业务发展现状展开调查，调查方向为人员储备情况、个人贷款业务近年来发展情况以及贷款渠道等，从现状中分析并总结目前银行个人贷款业务发展存在的问题，并借助所学的理论知识，提出促进银行个人贷款业务发展的解决策略，为银行个人贷款业务发展研究提供理论依据，通过对银行个人贷款业务情况进行研究，以小见大，为研究个人贷款行业发展现状提供理论依据。 关键词：个人贷款业务；银行；业务总额；业务人才  Abstract With the rapid development of Chinas economy and the improvement of the national living standard, in order to promote the improvement of the national consumption level, the state vigorously promotes the development of the personal loan business of the bank. As an important part of the development of the bank, the personal credit business has the characteristics of many kinds, flexible time and convenience, and has become one of the main consumption modes nowadays. However, from the development focus of the bank, the personal credit business is the most important one It can be seen that there is a general situation of attaching importance to enterprises and neglecting individuals in bank loan business, which limits the development of bank personal loan business. Therefore, this paper takes the personal loan business of Xinhui village bank in Dalian as the research object, and uses comparative analysis, data analysis and field investigation to investigate the current situation of the personal loan business of Xinhui village bank