Investigateing Report Of Venture Condition Of Personal Loan Of H Branch Of Bank A

In H city, because of developing economy, local people have a weak credit aware and credit environment is weak. Bank, staffs work at no standard way. All of these make it hard to work with personal loan work. There are overall personal loan work in H branch of Bank A, so investigating and studying venture condition of personal loan of H branch of Bank A is good for fully understanding personal loan of H.The method of investigating the condition of personal loan of H branch of Bank A is in real earnest investigating. The method of studying is combining theory and practice, combining qualitative analyzing and quantify analyzing, combining macroscopic analyzing and microcosmic analyzing, direction contrast The main content of investigating consist of talking with staffs of H branch of Bang A and individuality business and farmer.Through investigating, I had found farmer petty loan is the highest venture personal loan of H branch of Bank A. The harmful loan of farmer petty loan is50%of the harmful personal loan. On the other hand, because of the bigger venture of price of housing, housing mortgage personal loan faces a bigger credit venture. Credit venture and operating venture are the main venture of H branch of Bank A. The credit venture of personal loan is root in the credit venture of farmer petty loan and the credit venture of housing mortgage personal loan. The reason of higher credit venture of farmer petty loan are unstable income of farmer, weak guarantee of rural area, dangerous living habit of rural area and serious cheating of loan. The reasons of operating venture consist of weak duty aware of Bank staff, low venture aware of Bank, staff and weak loan managing. In front of analyzing, found the managing venture suggest, including improving personal loan of being underway, strengthen civilization improving of enterprise, carrying out more strict farmer petty loan policy and strengthen training of staffs and so on.