Xx Provincial Commercial Bank Consumer Credit Business Development

The consumer loan is a bank product that drags the economy to grow rapidly. Today's banking industry pays special attention to the expected income of the potential borrower. Most banks discarded the commercial loan theory that once dominated the banking theory in the history. They make personal loans to consumers based on the theory of the expected income of loan. The new consumption pattern enriched the varieties of bank loans. This text deals with personal house mortgage loan and car hire-purchase loan.This text aims to unveil the great potential of the development of Chinese consumer loan business through the analysis of the present condition of a certain Chinese commercial bank's consumer loan business and the research on the trend of the development of the Chinese consumer loan business.