Research On Personal Loans Business Development In Hefei Science And Technology Rural Commercial Bank

The marketization of interest rates and the strengthening of capital supervision make commercial banks realize the necessity of the transformation of retail business.Under the background of the era of "big retail”,the development of internet finance is very important to the retail banking market,middle business and payment status The formation of squeeze,with considerable potential for personal loans more and more commercial banks have been valued,is considered to be an important entry point to develop a new situation in the retail business.Hefei Technology Rural Commercial Bank as the first provincial capital city of rural commercial banks,in recent years the personal loan business as a development focus,but with the continuous integration of finance and technology,economic environment changes,Hefei science and technology rural commercial loan business development also faces many hinder.This paper analyzes the development environment of personal loan business of Hefei S&T Rural Commercial Bank through PEST analysis method.Combining with the development status of personal loan business of Hefei S&T Rural Bank,this article uses the method of combining comparative analysis,qualitative analysis and quantitative analysis to point out that Hefei S&In the course of development,the scale of individual loans is not high,the development structure is unbalanced,the innovation of personal loans is insufficient,the adjustment of personal loans is slow,and the development of electronic banking and the facilities of outlets are still relatively backward.The weak awareness of marketers makes loans of Hefei S&T Rural Commercial Bank Business marketing level has yet to be improved,at the same time,individual loan approval process and individual credit risk control on the inadequate also slowed Hefei science and technology rural commercial loan business development pace.Finally,this paper puts forward the suggestion to Hefei S&T Rural Commercial Bank personal loan business development.This paper holds that Hefei S&T Rural Bank should raise the importance to individual loan business and optimize personal loan business structure,Products,strengthen individual loan pricing management,emphasize investment in science and technology,improve individual loan service level and marketing level,realize individual loan business approval and electronization,build personal credit rating system,optimize individual loan risk sharing mechanism,improve bad link and improve Hefei Technology Rural Bank of a personal loan risk control capabilities,through these measures to increase Hefei S&T Rural Bank loan business development potential and improve market competitiveness.