商业银行信贷

1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；政府加大对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2AbstractInthispaper,wecarryonasystematicstudyontheproblemsofthehistoryandcurrentsituationofthedevelopmentofconsumercreditsysteminnowadaysChinacommercialbanksfromthedevelopmentofthetheoryofconsumercreditandthestatusquo.Throughanalyzingsumupthebottleneckproblemfacedbytheconsumercreditsystemandrevealtheneedtosolvetheproblemofthesysteminthecurrentdevelopmentprocess.Onthisbasis,Putforwardtheproposedmeasuresandstrategiestooptimizethedevelopmentoftheconsumercreditbusiness.Reachconclusionbyanalysisanddiscussions:theconsumercreditbusinessinChinahasbeendevelopedrapidlyinrecentyears,thereisstillahugepotentialfordevelopment,andtherelevantgovernmentdepartmentsshouldcreatearelaxedenvironmentforthefurtherdevelopmentoftheconsumercreditbusiness,atthesametime,thedevelopmentofChina'scommercialbanksshouldbeactivelylearnfromthesuccessstoriesofothercountries,efforttosolvetheproblemsencounteredinthecreditbusinessdevelopmentprocess,Inordertoimprovetheirmarketcompetitiveness.Secondlythecommercialbanksneedtocleartheguidingideologytoguidethedevelopmentoftheconsumercreditbusiness:Graspexactlyofthedevelopmentstageofthecreditbusiness;Customer-oriented,responsetomarketdevelopmentrapidly;outstandingtheemphasisofcreditbusiness,andfocustostrengthentheimplementationofriskpreventionmeasures,pursuitthecostbenefits.Furthermore,commercialbanksshouldfocusontheoptimizeconsumercreditbusinessmanagementstrategies,including:theestablishmentofprofessionalmanagementagencies,securitizationofconsumerloans,andestablishamodernbusinessphilosophy,combinetheconsumerloanbusinessandinsurancebusiness;theestablishmentofariskmanagementmodel,improvecreditriskmanagement,andcontrolriskloansstrictly;establishthefairandequitablemechanismsofincentiveandrestraint,andtrainmanagementpersonsrequiredbythedevelopmentofconsumercredit;theuseofadvancedinformationmanagementtechnologies,Achieveunifiedmanagementofsystem.Optimizationofthecreditbusinessmarketingstrategy,including:enhanceinnovation,outstandingthecharacteristicsofcreditproducts;developtheexpansionofpersonalautomobileconsumptioncreditmarketactivelystabilizingpersonalhousingloanmarket;combinedwiththestatusquo,focusontheeconomicallydevelopedareasforbusinessdevelopment,achievethegoalofmarketing;strengthenthemiddle-incomecustomerstoexpand;emphasisonthecross-marketing;strengthenthebusinesspropaganda.Finally,theoptimizationofthestrategyofnationalpolicies、lawsandregulations,including:establishandimprovethesystemofpersonalcredit;improvetheconsumerloanguaranteesystem;thegovernmentneedincreasingeffortstosupportconsumercredit;theimplementationoffloatingloanratesandearly3repaymentpenaltysystem.Keywords:CommercialBanks;ConsumptionCredit;OperationandManagement;Marketing;DevelopmentStrategy目录摘要.....................................................1第1章绪论..............................................51.1选题背景与意义...............................................51.1.1选题背景...................................................51.1.2选题意义...................................................61.2国内外研究现状..............................................71.2.1国内研究现状...................................................71.2.2国外研究现状...................................................81.3论文的结构与安排.............................................9第2章我国商业银行消费信贷现状及问题....................92.1消费信贷体系的功能...........................................92.2我国商业银行消费信贷现状...................................112.2.1我国商业银行消费信贷的结构分析................................112.2.2我国商业银行消费信贷的总量分析................................142.2.3我国商业银行消费信贷的风险现状................................152.3我国商业银行消费信贷存在的问题.............................162.3.1消费信贷地区之间发展不平衡且城乡差距大........................172.3.2我国的个人信用制度不完善......................................172.3.3商业银行的发展观念存在问题....................................182.3.4运营和管理机制不完善..........................................182.3.5缺乏有效的风险转移和风险防范制度..............................192.3.6法律法规及制度的制约..........................................20第3章提高我国商业银行消费信贷体系的对策分析...........213.1提高我国商业银行消费信贷对策................................213.1.1改变消费者的传统消费观念......................................213.1.2建立和完善个人信用制度........................................2143.1.3转变观念提高商业银行的积极性..................................223.1.4增加消费信贷产品种类..........................................233.1.5建立合理有效的风险管理模式，设置违约反馈系统..................233