The Research About Outsourcing Decision-making Of Personal Loan Debt Collection Of China Construction Bank Hunan Branch

With the China Construction Bank becoming state-held commercial bank, the institutions and staffs of China Construction Bank Hunan Branch are much simpler under the Joint-stock manage system. Moreover, the development of its financial businesses is more and more rapid. Specially, the personal loan business also comes rapidly progressed, which already becomes one of the importantly strategic businesses. With the continuous expansion of business scale, the number of non-performing loans is also concomitantly increase; and the line current staffing of China Construction Bank Hunan Branch could not meet the working need of the personal loan collection. In this case, which is the correct solution between in-sourcing and out-sourcing for China Construction Bank Hunan Branch the major issue urgent decisions must be made by China Construction Bank Hunan Branch.In this thesis, the author analyses the theory of Core ability and the transaction cost theory on the base of the researches of the full home and abroad about the Outsourcing. What’s more, the author also makes in-depth analysis and discussion of the banking business of outsourcing decision-making factors, and divides these factors into two major categories of decision factors——Strategic decision-making factors and enforceable decision-making factors, and explains their roles in the banking business outsourcing decisions. Meanwhile, drawing lessons from the typical enterprise business model of outsourcing decisions of the domestic and foreign scholars, the author builds the dual factors of outsourcing decision-making model, which bases on a Strategic-enforceable decision-making factors and the role of decision-making factors.According with outsourcing decision model with based on two factors, additionally with the actual situations of China Construction Bank branch in Hunan Province, the author makes a comprehensive analysis on the loan collection business factors for outsourcing decision-making of Hunan Branch of China Construction Bank, and simulates the entire decision-making process of China Construction Bank Hunan Branch ultimately. Finally, the author points out that Hunan branch of China Construction Bank is right about deciding the loan collection business of outsourcing. It’s a reasonable choice, which will contribute to the bank loan business in the healthy and rapid development and the core competitiveness of China Construction Bank Hunan Branch.