Research On The Development Of Personal Consumption Credit Business In Zhengzhou Branch Of Bank A

China's economy is affected by the weakness of import and export,investment and economic operation.In the deepening of market-oriented interest rate reform and financial rise of the Internet,as well as the influence of the fierce competition on the financial market in China is also escalating,traditional commercial Banks in order to obtain sustainable competitive advantage,conquers the highest position in the future competition in the market as soon as possible,each big financial institutions are continuously promote the transformation of mode of operation,and personal consumption credit business,as one of the important business in the retail sector,not only can bring huge profits for Banks,also can create rich intermediate business income.Predictably,the business will be a focal point of future competition.Along with our country economic growth,the change of domestic residents consumption idea,personal consumption credit business requirements are also increasing,the bank of the types of personal consumption credit business is also growing.In recent years,China's commercial Banks have also made great strides in personal consumption credit.However,due to the domestic market the competition and other reasons,led to A traditional commercial Banks in China bank,Zhengzhou branch on personal consumption credit business development encountered unprecedented difficulties,previous competitive advantage,business development.This article is precisely based on this background,through the method of combining theory and practice focuses on A bank of Zhengzhou branch on personal consumption credit business development problems,and through in-depth analysis and research,put forward some improvement measures,A bank,Zhengzhou branch to help the development of personal consumption credit business:The first part mainly introduces the background and significance of the research,the purpose and methods of the research.The second part mainly introduces relevant theoretical knowledge,including the concept,type,characteristics and the role of personal consumption credit theory.Knowledge of risk management theory.The third part mainly through the data contrast,found A bank Zhengzhou branch on the existing problems in personal consumption credit business development:expanding domestic consumption credit market scale,broad prospects,market share and A bank of Zhengzhou branch has narrowed sharply,while the high non-performing loans,development situation is not optimistic.The fourth part mainly to A bank,Zhengzhou branch on personal consumption credit business development analysis on the problems existing,mainly from the single product marketing channels,internal business processes,their own product design shortcomings,risk prevention and control measures is not sound,etc in detail.The fifth part focuses on the problems existing in the development of bank A's Zhengzhou branch,and puts forward some Suggestions for improvement.The author hopes that the consumer credit suggestion and new measures proposed in this paper can provide reference for the business development of bank A's Zhengzhou branch.