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随着改革开放的发展,我国市场经济得到迅速发展,金融业也加快了发展的步伐,金融业务不断创新扩展。其中个人贷款业务也随之如火如荼的得以快速发展,伴随我国银行个人贷款规模不断扩大和种类的不断增加,个人贷款市场空间不断拓展,个人投资经营贷款、个人住房贷款、汽车贷款、助学贷款、个人旅游贷款等业务创历史最高水平。工商银行的个人贷款业务也在不断发展,但目前个人贷款业务还处在初始发展阶段,各项制度体系,产品研发和了解市场需求方面难免存在不同的问题。
With the development of reform and opening up, the market economy in our country has been rapidly developed. The financial industry has also accelerated the pace of development and the financial business has continuously expanded and innovated. With the continuous expansion of personal loans and the increasing types of personal loans in China, the personal loan market continued to expand. Individual investment loans, individual housing loans, auto loans, student loans, Personal travel loans and other business record high. The personal loan business of ICBC is also developing continuously. However, the current personal loan business is still in the initial stage of development. There are inevitably different problems in various institutional systems, product development and understanding of market demand.