Research On The Development Of Personal Credit Business Of Baotou Bank Baotou Branch And Its Countermeasures

The personal credit business in our country fall comparatively behind. It is a usual phenomenon that the procedure is not complete. At present, many native banks consciously optimize and improve the procedure of personal credit business as well as patterns of operation, but they are short of the specific theoretical basis. The paper is aim at summarizing the problems and regular patterns among them, learning the successful case from foreign commercial banks, through analyzing the procedure and operation patterns of the personal credit business of the commercial banks home and abroad. It is useful of offering the path and theoretical basis, which can optimize and improve the procedure of personal credit business as well as patterns of operation in commercial banksThe paper explores how to improve personal credit business of Baoshang Bank branches in Baotou through three steps. Firstly, based on the full understanding of personal credit markets in Baotou, the paper analyzes the development status of personal credit business of Baoshang Bank branches in Baotou as well as its internal and external environment, pointing out advantages, disadvantages, opportunities, threatening and strategic choice made by adopting Quadrilatedral SWOT Analysis Method. Secondly, the paper presents the enlightenment from fruits of the development of personal credit business home and broad, and the adoption of good ideas.Lastly, the paper puts forward the strategic advice on business orientation, marketing strategy, business process and post-loan risk of personal credit business, coupled with the situation of personal credit business of Baoshang Bank branches in Baotou.The research covers the following five parts:Part One expounds the research background, motivation, purpose, methodology and structure of the paper.Part Two sketches relevant theories, including the definition, characteristics, classification and content of personal credit business; meanwhile, the development of personal credit business is introduced in this part, from which it can be inferred that under the new challenge of domestic economy Baoshang Bank branches in Baotou must be targeted to the development status and strategies of personal credit business in the hope of its new stage of developmentPart Three makes a detailed discussion to the development, the present situation and strategies and current problems in the development, and analyzes the causes of problems,Part Four introduces patterns of personal credit business of commercial banks home and broad, and probes into those which offer beneficial reference and enlightenment for the development of personal crerdit business of Baoshang Bank branches in Baotou.Part Five presents an exploratory research into the personal credit business of Baoshang Bank branches in Baotou from four aspects, namely positioning design, marketing, procedure and risk control.