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随着中国经济进入新常态,银行业利润增速下滑明显,转型发展已经成为各大银行保持利润增长的重大举措,各大银行均依托大力发展个人信贷业务转型作为业务发展转型的重点和利润增长点,其重要性凸显。然而,对于县域支行来说,由于人力,财力等资源配置原因,个人信贷业务发展管理经验并不充足,尤其是在风险防范与控制上,还没有形成切实有效的方法和政策。本文通过分析县域支行个人信贷业务发展模式,有效管控个人信贷业务发展与风险防范等目前急需解决的若干问题,力求对县域支行个人信贷资产质量实施精细化管理。
With the Chinese economy entering a new normal, the growth rate of banking profits has been declining sharply. The transformation and development have become major measures for major banks to maintain profit growth. Major banks rely heavily on the transformation of personal credit business as the focus of their business transformation and profit growth Point, its importance highlights. However, due to the allocation of resources such as manpower and financial resources, the experience of personal credit business development and management is not sufficient for the county branch. In particular, effective measures and policies have not yet been formulated for risk prevention and control. Based on the analysis of the development mode of personal credit business in county branch, this paper effectively controls some problems which are urgently needed to be solved, such as the development of personal credit business and risk prevention, and tries to make the management of individual credit asset quality fine.