The Thinking Of Developing Personal Consumption Credit Business Of Changchun City Agricultural Bank

As a new type of consumption, Personal consumption credit play an important role in promoting the growth of Economy, stimulating consumption, improving credit assets structure. It has become a competitive focus in greatly developing personal banking business, expanding personal customers of high quality. However personal consumption credit is still a primary stage, whose level is quite low. There are many restrictive factors, and is more complex compared to production credit. During the ever changing financial situation from all over the world. It is a worth thinking problem that how the commercial bank grasp the opportunity and make good preparation for the future.This article discuss development problem of personal consumption credit business of Changchun City Agricultural Bank, creatively suggest developing credit card, strengthen the construct of financial supermarket and cooperate with competitors. This article is composed of four parts.A: DirectionMainly introduce the present situation of domestic personal consumption credit, documents summarized and significance to government, banks, corporations and consumers of developing personal consumption credit. Finally last hope that the research of this article can have significance and directing meaning to the development of personal consumption credit of Changchun City Agricultural Bank.B: The analysis of the development perspective of domestic personal consumption creditFirst analyze the tendency of domestic personal consumption credit.As a new credit product appeared four years ago. Personal consumption credit have bright market perspective from the aspect of macroscopic policy, market potential, public intention and bank investment. Next, analyze the restrictive factor of personal consumption credit. 1. The factor of consumer: the difference of consumption conception becomes the biggest barrier in the development of personal consumption credit of our country. In addition, because of the poor capability of assuming credit, imperfect of social guarantee system, Most people do not have enough confidence for the future .In this situation, many people won't do the choice of "spending tomorrow's money".2. The market and macroscopic environment factors. In our country, personal consumption system hasn't been established. Moreover, credit legislation, converting to cash market of mortgage, credit medium, credit insurance system are not perfect.3. The bank's internal factors. There are many problems in commercial banks such as the restriction of benefit, credit risks and inefficiencies in working and service.C: The advantages and disadvantages analysis of personal consumption credit, Changchun City Agricultural Bank After over three years' development, there has been seven types of consumption credit in Changchun City Agricultural Bank. It has quite a scale, standing the first place in market share in Changchun city.D: The strategic choice of personal consumption credit business, Changchun City Agricultural Bank1.Establish and perfect internal management system The internal factors play a decisive role, so in order to make a strategic choice of personal consumption credit, one must innovate the system, including service management method, inside coordination system, consumption credit testing system, risk prevention system of personal consumption credit, as is also the key for personal consumption credit can develop smoothly.2. Right market orientation To creatively promote structural adjustment in personal consumption credit. It must have correct market orientation. Mainly: Objective orientation: Regarding the consumer as objective market, making advantage in the first class "consumer's bank ".Customer orientation: Try to change the conception of "agriculture", strengthen sent of crisis, take a fixed position in the city, regard middle-class customer as the main objective customer.Business orientation: Namely the choice of type of consumption credit. Focus on developing housing credit, steadily dev...