Research On The Problems And Countermeasures Of Personal Loan Business Of Agricultural Bank Of China Inner Mongolia Branch

In the Inner Mongolia autonomous region, Agriculture bank of inner mongolia branch is one of the big four state Banks. After ten years of development, Agriculture bank of inner mongolia branch’s personal loan business in inner mongolia banking industry occupies a certain market share, but relatively lagged in the big four state-owned Banks.In long times, most domestic commercial Banks have great importance to the company’s business or development retail business. Because they think the personal loan customer group fund demand is small and complexity. So the develop of personal loan business have been suffocated. As the country take up to constraint the capital to the and encouragement for personal loan business development, we need adjusted management pattern and the product structure. As the current economic downturn, the adjustment of macroeconomic, the real estate market downturn, the financial environment deteriorating situation, the development of personal loans will face new opportunities and challenges. Therefore, under the new situation we need to assess the situation,analysis the current market conditions, formulate corresponding to the current situation of personal loan business development direction.The author have practice experience in the Inner Mongolia branch and the study of relevant literature, collect the basic business data in recent years. The author using the Excle statistical analysis, and the empirical analysis to analyzes the current situation of the development of personal loan business in the Inner Mongolia branch. Another, applying the method of causal analysis, analysis the problems and the causes to personal loan business. We puts forward the countermeasures to promote the development of the business through the analysis of the problems and causes. Developing bank personal loan business should not only analyze the market and trade, but also pay attention to the policy guidance、the clarity of the situation, and combined with the actual. So, it targeted development countermeasures are put forward.Such as, improve the recognition,adjust the varieties according to the actual situation develop county and city in same times, innovation operation mode and business development, continue to strengthen the risk management work, strengthen team construction.