论文部分内容阅读
随着襄樊市几年来持续的经济增长、居民收入及生活水平的提高、住房体制改革等也进一步激发了居民的住房贷款需求。面对突然显现的庞大的市场需求,襄樊市的各银行纷纷将个人贷款业务作为业务发展的重点。目前建行对于个人贷款业务流程还不够科学,主要表现在业务操作中,对存在的潜在及显性风险特点认识还不够深刻,风险控制的措施单一,方法还不多,管理上还比较粗放,信贷文化仍相对落后,市场环境建设亟待完善和提高。在国家不断加强房地产行业宏观调控力度,抑制房地产泡沫等形势下,对个人贷款业务流程进行系统科学的研究和分析,对于防范金融风险,提高建行的综合竞争力,增强建行的收益渠道和收益水平具有重要的意义。
With the continuous economic growth in Xiangfan City over the past few years, the improvement of residents’ income and living standard, the reform of the housing system has further stimulated the housing loan demand of residents. Faced with the sudden appearance of a huge market demand, all banks in Xiangfan City, personal loans business as the focus of business development. At present, CCB is not scientific enough for the personal loan business process, which is mainly manifested in business operations. It is not yet profound enough to realize the potential and obvious risk characteristics of existing loans. The measures for risk control are simple, the methods are not yet extensive, the management is still relatively extensive, and credit Culture is still relatively backward, and the market environment needs to be improved and improved urgently. Under the circumstance of the state continuously strengthening the macroeconomic regulation and control of the real estate industry and curbing the real estate bubble, the Company conducts a systematic and scientific research and analysis on the personal loan business process. It is of great significance in preventing the financial risks, improving the overall competitiveness of CCB and enhancing the income channels and profitability of CCB It is of great significance.