Research On Development Of Small Business And Personal In A Bank,Yinchuan Branch

Economy under the new normal, enterprise management difficult, as the main body of small businesses and individual personal credit due to the poor ability to resist risks, default rates. Keep small business and personal loans of A bank, yinchuan branch business development research, is to try to balance the relationship between the benefits and risks and achieve long-term sustainable development. This article through to A bank, yinchuan branch summarizes the personal credit business in 2015, to analyze the internal and external environment, it is concluded that A bank, yinchuan branch in the "product", "customers", "resources", "internal processes" and so on four aspects, the problems, which, on the product homogeneity serious, no obvious competitive advantage; In the loan scale is biggest, the most stable housing mortgage is short board, real estate lack of core customers, negotiating position is low; For the allocation of resources, branch to tilt toward immediate business more, personal loans business values; On the loan process, small business and personal credit as a competent department, the lack of independent decision-making power, lead to serious internal communication loss and decision-making process is long, risk department, the compliance department and other relevant departments to "avoid risk and loss of market opportunities.Based on the accumulation fund net loans as a gripper for product innovation, develop high quality customers; Strengthen public-private joint, support local large high quality enterprise; personal loans center independent operation, make professional personal loans team, the final purpose is to product differentiation, expand the customers, sequence process, professional people do professional thing, will personal loans business further elaborating management, solve personal loans customers "short, small, frequency," financing demand, improve customer satisfaction, for A bank, yinchuan branch risk appetite of small businesses and individual credit mechanism, can effectively reduce the risk, and can improve the yield, achieve long-term sustainable development, to A bank, yinchuan branch in yinchuan domestic first-class bank personal credit brand.