Research On The Development Strategy Of N Bank's Personal Loan Business

At the present stage,the investment rate of our country continuously promotes the economic growth.At the same time,the increase of consumption demand in our financial industry also plays a vital role in supporting the development of real economy to a certain extent.Especially at the present stage,the main business related to individual bank loans,has shown a relatively vigorous trend.China's such banking business also shows vigorous vitality.At this stage,each bank in China has begun to realize self-transformation and upgrading,change their original basic business,and further pursue a newer profit growth point.Especially in the changing regulatory policy,many commercial banks have changed the original operation mode,and then began to use personal loans with lower capital consumption as a new way of development.This article takes a state-owned commercial bank N as the research object.Through the brief theoretical basis of personal loan business of commercial banks as a starting point,and its general introduction,clear the specific situation of personal loan business of N Bank,and conduct in-depth analysis.Through the SWOT analysis method,the disadvantages,shortcomings and advantages faced at this stage are clarified,and then the shortcomings in the development process of personal loan business at this stage are clarified.This paper combines the development of personal loan business of domestic and foreign commercial banks and non-banking financial institutions.Through scientific research methods,the development of personal loan business of N Bank is combined with management and accounting disciplines,and a targeted scheme design is put forward from four aspects: product,marketing,pricing and risk,so as to ensure that N Bank can develop healthily and quickly.