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本文所指的个人信贷是指商业银行以自然人为对象发放的贷款。包括:个人住房按揭贷款、个人汽车按揭贷款、个人装修贷款、个人 助学贷款和个人经营性贷款等。相对于公司信贷而言,个人信贷具有以下几个方面的特点。一是借款人对借款承担无限偿还责任;二是 业务品种多,不同品种间差异大;三是部分个人信贷依托中介机构拓展业务;四是客户范围广,信贷需求更显多样化;五是标准化制式。
The term “personal credit” as used in this article refers to loans granted by commercial banks to natural persons. Including: personal housing mortgage loans, personal car mortgage loans, personal decoration loans, personal student loans and personal business loans. Compared with corporate credit, personal credit has the following characteristics. First, the borrower owes unlimited repayment responsibility for the loan; secondly, there are many varieties of business and large differences among different varieties; third, some personal credit rely on the intermediary agencies to expand their business; fourth, the clients have a wide range of needs and the credit demand is more diversified; Standard