Problems And Strategy Research On Personal Loans Business In Yanbian Area

With the development of the reform and opening-up, China’s market economy obtains the rapid development, the financial industry has accelerated the pace of development and financial business innovates and extents constantly. The personal loan is like a raging fire to development rapidly and thus promotes the economy in Yanbian area. With the expansion of the scale and the increase of the types of the personal loans, the space for personal loans has been expanded continuously and the personal investment business loan, person housing loan, auto loan, student loan and personal traveling loan reach the highest level. In recent years, the financial institutions in Yanbian area have increased the scale of the personal loans and extremely increase the loan investment to strongly support the economy development in Yanbian area in the premise of effective prevention for credit risk.According to the current development situation of Yanbian personal loans and Contrasting to domestic and foreign problems, characteristics and practices in the development of personal loans, this paper analyzes the main problems and puts forward the development proposals for personal loans in Yanbian area. Through the analysis of personal loans development, the paper researches mainly on the comprehensive benefits to the society from the personal loans. Starting from solving problems in personal loans, we constantly improve the personal loan types, to maximize the benefits. The continuous development of the personal loan business further improves the individual purchasing power and consumption levels, so people’s living standards and quality have also continued to improve. But through the continuous development of the personal loan business, there are many practical problems, so we should improve personal bank loans results implement field surveys, reduce non-performing loan ratio and develop new personal loans and other measures to achieve the healthy development of the personal loan business. We should improve the structure of bank loans to promote the personal loans business in the financial industry, then stimulate the economic development of the Yanbian area; The work of Loan for pre-and post-loan management will eliminate the high potential risks of personal loans fundamentally and minimize the risks; Combining the actual economic development in Yanbian area, we should carry out personal loans varieties suited to the characteristics of this region to promote the rapid development of the local economy. According to the present development situation of personal loans and the combination of domestic and foreign advanced experience in the development of personal loans, the paper analyzes related problems for personal loans business in order to achieve the sustainable development of personal loans business in Yanbian area.