Xincai Rural Commercial Bank Personal Consumption Loan Service Innovation Research

In recent years,many commercial banks have begun to pay attention to the development and improvement of personal consumption loan business,and actively carry out this business in various places.The effective development of personal consumption loan business can have a very positive promotion for the improvement of commercial bank business efficiency.Its role,but also has great benefits for the development of the national economic market.Since 2008,personal consumption loans have been widely developed in various countries and regions.Many countries use this business to activate the vitality of their economic markets in order to get rid of the economic depression caused by the financial crisis as soon as possible.Usually,the cost of personal consumption loans is relatively low,and it will also receive various preferential policies from the state.Therefore,such loans are very popular among commercial banks.Many commercial banks have begun to seize the market share of this target market.Therefore,the market competition of individual banks in the field of personal loans is also very fierce.In the continuous development of personal loans,many risks have gradually emerged,and the problems that need to be solved are also coming.The more prominent.Moreover,personal consumption loans and other loans are very different.For example,the main body of the loan is a natural person,not a legal person.After the loan is issued,the specific use of the lender is difficult to supervise,which makes the loan business bear a large burden.risk.Therefore,in order to realize the steady development of personal consumption loans,banks must conduct certain management and research on their various risks and explore solutions to avoid risks.The basis of this paper is the status quo and characteristics of Xincai County Rural Commercial Bank in terms of personal consumption loans.At the same time,combined with the actual situation of personal consumption in Xincai County,the situation of personal consumption loan business and the various encounters In-depth research and analysis of the issues.Explore strategies to solve these problems,enhance the competitiveness of rural commercial banks in the region,and then provide better help for local economic development.This will enable Xincai County Rural Commercial Bank to make new breakthroughs in personal loans.The article mainly analyzes the main situation of Xincai County Rural Commercial Bank in the personal consumption loan business,including the main situation of Xincai Rural Commercial Bank,its business development,the current personal loan service method and its target market.Positioning,etc.;to evaluate the services of Xincai County Rural Commercial Bank in personal loans,both internal evaluation of commercial banks and related evaluations from outside the bank.To study the main problems of Xincai Rural Commercial Bank in its personal consumption loan business,such as the inconsistency between its strategy and its development goals,the lack of innovation in personal consumption loans,the lack of innovative construction of personal consumption loan service teams,and personal loans.There is no more scientific management method for services,etc.;the performance is weak in team building,poor marketing enthusiasm,lack of marketing awareness,unscientific internal management,and innovative development.After analyzing the above,we can find a suitable solution.In response to the problems of service innovation,relevant innovative solutions are proposed.The countermeasures mainly involve five aspects: first,innovating the services of personal consumption loans;second,innovating its promotion activities in personal consumption loans;Third,innovate its various management measures in personal consumption loans;Fourth,innovate its scientific and technological application in personal consumption loans;Fifth,innovate its team in personal consumption loans;Innovative measures for consumer loans are mainly related to institutional guarantee innovation in personal consumption loans,talent security innovation in personal consumption loans,performance evaluation innovation in personal consumption loans,and personal consumption loans.Innovation in science and technology security.Using the above innovative service methods,the service quality of Xincai County Rural Commercial Bank will be effectively innovated and improved.