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近年来,作为新产生的个人贷款品种,个人助业贷款得到了飞速发展,但当前个人助业贷款业务中,存在一些值得关注和思考的问题:一是贷款对象范围过大;二是贷款额度上限设置过高,当前“大额化”倾向日益明显,偏离了个人助业贷款作为零售业务的经营方向;三是对所经营实体已有对公贷款的借款人,允许再申请个人助业贷款的规定,不利于实际操作和贷款管理;四是与小企业信贷业务“同质化”问题日趋明显。为促进个人助业贷款健康发展,本文提出以下建议:一是在贷款对象范围方面明确与小企业信贷业务的界线;二是强化“小额化”定位,贷款额度与客户的经营规模和我行的风险控制要求相适应;三是积极调整个人助业贷款的市场定位和发展方向。
In recent years, personal loans for personal loans have been developed rapidly as new varieties of personal loans. However, there are some problems that are worthy of attention and consideration in the current personal loans for personal loans. First, the scope of loans is too large. Second, the loan quota The upper limit has been set too high. At present, the tendency of “big pay” is becoming increasingly clear. It deviates from the personal business loan as the operating direction of the retail business. Third, the borrower, who already has a public loan to the operated entity, The provisions of industry loans are not conducive to practical operation and loan management. Fourth, the issue of “homogeneity” with the credit business of small enterprises has become increasingly evident. In order to promote the healthy development of personal loan, this paper puts forward the following suggestions: First, define the boundary of small enterprise credit business in the scope of loan object; second, strengthen the definition of “miniaturization”, the loan quota and the scale of customer operation Thirdly, we should adjust the market orientation and development direction of individual assisted loans.