On The Construction Of Consumer Loan Model Of Changshu Rural Commercial Bank

With the rapid development of urban and rural economy in China,the income of farmers and urban residents has been increasing steadily,and the demand for financial services by farmers,agriculture and rural areas has been increasing day by day.The establishment of village banks has effectively filled the gap of financial services in rural areas,and increased financial support in rural areas.Fu Changshu rural commercial bank "(Note:the original" often commercial ",now renamed"Xingfu flop"),the village bank has developed very rapidly in recent years,as of 2017 6 at the end of the 30 village banks officially opened Jiangsu,Hubei,Henan,involving four provinces of Yunnan,the total asset size has exceeded 10 billion among them,the size of the loan of 8 billion 567 million yuan,the total assets ratio was 78.4%,the rapid increase in the size of loans largely driven by the benign development of Xingfu village bank system.With the continuous improvement of people's quality of life,the consumption demand of the people can be maintained,and the consumption demand in rural areas will gradually increase.Total loans of 8 billion 567 million in Xingfu village banks,consumer loans amounted to 2 billion 656 million yuan,accounting for 31%of consumer loans to 31 thousand and 200 households,accounting for 59%.Thus,consumer loan occupies a very important position in the loan business,so it can be inferred that the customer manager in the process of carrying out business loans,consumer loans for the time spent is more.improve consumer loan processing efficiency,can improve the overall work efficiency,and promote the development of business assets faster.How to provide the efficiency of consumer loan processing is a very meaningful topic,and the construction model of consumer loan is a more scientific way to improve the efficiency of consumer loan processing.For rural banks nationwide,it should have greater reference value.This paper uses case study method combining theory with practical and empirical,in Changshu rural commercial bank,rural bank as an example,the use of consumer credit data samples available,combined with the domestic banks,especially the existing rural bank consumer loans model construction,the construction and analysis of the model.After summing up the method,we hope to provide reference and reference for the construction of consumption loan model in domestic rural banks.