| In the recent years, due to the rapid development of China’s privatebusiness and intense competition within the industry, commercial bankstreat the Personal Business Loans as a new weapon to achieve creditbusiness transformation, to obtain high returns and to compete for marketshare.16A-listed Banks coincidentally present the Personal BusinessLoans separately in the Annual Financial Reports, which reflects thebanks’ determination and courage to develop the business. But, due to thephenomenon of ‘personal loans enterprise’, we find that the traditionalrisk control measures, such as loan review process and ways of guaranteedo not adapt to the actual financing needs even doubling the scale of theloans. The unsuitable measures limit the Personal Business Loans’ furtherdevelopment.This paper takes P bank as an example. We analyze the loan reviewprocess and guarantee of P bank’s Personal Business Loans in detail, then compare to the other commercial banks and launch the survey on the PBank’s employees. Though above jobs, we find the bottlenecks in the Pbank’s Personal Business Loan are the lengthy review process, lowoperating efficiency, and lacking of multiple guarantee ways.Therefore, we recommend P bank to take targeted innovation onPersonal Business Loans based on its features, which is ‘short, frequentand fast’. P bank can build several unified review standards by Big DataAnalytics to raise the efficiency, and establish ‘Quickly Pass’ channel toprovide differentiated services to the core values customers. Furthermore,P bank should also take more scientific financial analysis tool, such ascash flow analysis, to examine borrowers’ repayment abilities duringreview process. Third, P bank should break the single guarantee way ofreal estate mortgage. We suggest P bank to fully tap the borrowers’personal and enterprise assets to expand credit guarantee ways, andcombined use of various guarantee based on the borrowers’ financingneeds. |
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