Research On The Problems And Countermeasures In The Personal Loan Business Of The D Branch Of The Agricultural Bank Of China

The personal loan business has many advantages such as variety,wide use and flexible convenience.It has always been an important asset business of commercial Banks.In recent years,the rapid rise of China’s overall national strength,the continuous improvement of residents’ living standards,the continuous introduction of the government’s policies to encourage domestic consumption and the continuous development of residents’ personal consumption concepts have provided opportunities for the development of commercial bank personal loan business.At the same time,the traditional concept of "valuing the company,belittling the individual",the impact of Internet finance and the promotion of interest rate liberalization have challenged the development of the personal loan business of commercial Banks.D Branch of the Agricultural Bank of China,as a state-owned one of the big four Banks,after years of development,personal loans business in the region’s financial trade occupy a certain market share,also has a certain visibility.At the same time,regional macroeconomic downturns,weak real estate market development,and lower staff enthusiasm caused by the declining employee enthusiasm have directly affected the development of the personal bank loan business of the Agricultural Bank of China D branch.Therefore,in the new situation,D Branch of the Agricultural Bank of China needs to review the situation,carefully analyze the current business development status of the personal loan business,and formulate the development direction and strategy of The Times.This article uses the author’s practical experience in the work of the Agricultural Bank of China D branch,financial and economic theory and methods,as well as empirical analysis and comparative analysis.First,this article introduces the background and theoretical basis of personal loan business development.Secondly,it describes the status quo of the economic development in the D county and the current status of the financial industry,and analyzes in detail the development status of the personal loan business of the Agricultural Bank of China D branch.Thirdly,the problems and causes of personal loan development are analyzed.Fourthly,it analyzes the advanced practices of the domestic financial industry to develop personal loan business,and provides experience for the development of the Bank’s business.Finally,the paper puts forward the countermeasures and measures for the development of the personal loan business of the bank.