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由最初房贷的缓慢探索,再到如今房贷、车贷、消费贷款、经营贷款等业务的繁荣发展,历经20多年,国内个人贷款业务逐渐成为商业银行效益的新增长点和可持续发展的突破口个人贷款成为了居民日常生活的重要融资手段。中国银行监督管理委员会《中国银行业运行报告(2012年第2季度)》显示:今年二季度个人贷款(不含个人经营性贷款)余额为9.0万亿元,同比增长11.7%;二季度商业银行公司贷款(含个人经营性贷款)余额38.1万亿元,同比增长16.4%;从行业分布看个人贷款(不含个人经营性贷款)是二
From the initial exploration of mortgage loans to the booming development of mortgages, auto loans, consumer loans and business loans, after more than 20 years, the domestic personal loan business has gradually become a new growth point for commercial banks and a breakthrough in sustainable development. Loans have become an important means of financing daily life for residents. Bank of China Banking Regulatory Commission Report on China Banking Sector (Q2Q12) shows that in the second quarter of this year, the balance of personal loans excluding personal loans was 9.0 trillion yuan, up 11.7% over the same period of the previous year. In the second quarter, commercial banks The balance of corporate loans (including personal business loans) reached 38.1 trillion yuan, up 16.4% over the same period of the previous year. Personal loans (excluding personal loans)