A Study On The Development Of Personal Credit Business Of Agricultural Bank Of China,A Branch

With the deepening of China’s reform and opening up,China’s economic structure is undergoing profound changes.In recent years,with the continuous improvement of the level of consumption,the consumption concept is undergoing profound changes,the market competition consciousness and the modern management consciousness are increasing,which leads to a large number of personal credit demand.Therefore,commercial banks focus on the development of personal credit business,continue to reduce the overall cost.China’s commercial banks should actively adapt to these changes,conduct a full analysis of the operating environment and research,and constantly optimize and adjust the business structure,and gradually expand the amount of personal credit business.The author selected agricultural bank,A branch as the object for empirical research,from the perspective of bank management,A detailed analysis on the development of personal credit business,points out the problems existing in the commercial bank personal credit business development process,not only for examination and approval process needs to be optimized,and the risk control remains to be strengthen,professional team needs to improve.The author through the investigation and study deeply reveal the development of ABC A branch personal causes of the problems in the process of business,and that the bank A branch shall be precise positioning of personal credit business,constantly optimize the business process,strengthen the construction of brand and establish a perfect personal credit business risk prevention and control system,so as to promote the healthy development of personal credit business.