1.再造业务流程。个人消费贷款必须实行公司化、专业化运作。在零售业务部门下面成立专门的个人消费信贷中心。扩展消费信贷业务的申请网络,将受理消费信贷申请的网点从个人消费信贷中心延伸到储蓄网点和特约经销商,通过网上银行、电话银行、手机银行等渠道宣传和受理业务,形成 1. Reengineering business processes. Personal consumer loans must be corporative, specialized operation. In the retail business department set up a special personal consumer credit center. Expanding the application network of consumer credit business, extending the outlets for accepting consumer credit applications from personal consumer credit centers to savings outlets and authorized distributors, publicizing and accepting business through channels such as online banking, telephone banking and mobile banking to form