Research On Operation Management Of Personal Business Loan Of Changchun Branch Of PSBC

Finance is the heart and blood of modern economy.The 19 th CPC National Congress report stressed that we continued to deepen the reform of financial system,encouraged financial support for the real economy,and accelerated the building of an industrial system that promotes coordinated development of the real economy with technological innovation,modern finance,and a talent pool.Back to the origin,finance that must always endeavor to serve the modern economy,optimize the allocation of financial resources to strengthen the weak links in the economic and social development,for better meeting people's increasing and diversified financial needs.However,which has becoming an important part of real economy,micro and small enterprises play a key role and shoulder significant responsibilities in finding employment,increasing incomes,raising standard of living,safeguarding social stability,while maintaining government revenue and market economy.Nevertheless,the obstacle elements are always existing in the way of progress,such as limited financing channels,expensive financing cost,and serious disorder suffering.Changchun branch of PSBC,since its foundation in 2008,which was set to play a role in integrating itself into the economic and social development of city,and completing major task of supporting small and medium-sized enterprises,urban and rural areas as well.As of 2019,Changchun branch owned the asset size of 39.03 billion,simultaneously self-supporting income reached 602 million,but loans balance of personal business had totaled 2.412 billion.As a branch of the Large state-owned retail commercial Bank,it should fully implement support policies of inclusive finance,but also accomplish the task for business operation,especially in the relatively backward environment.These twin requirements pose a truly monumental challenge.Based on this,this dissertation is focused on the investigation on operation performance of personal business loans in Changchun branch,by the data from January 2018 to December 2019,in terms of economic environment,financial market environment,PSBC's strategic orientation and product properties.It was shown there were many problems unsolved in operating,including lacking of customer acquisition,noneffective propaganda and weak internal brace.How to improve the operation mode scientifically and rationally lays ahead the bank.Conducted with the current situation and relevant theory,this paper proposes an optimized solution about personal loans business.The bank is supposed to exert advantages of its own resources,and to maintain and expand marketing channel.Meanwhile,personnel training and technological support are also extremely urgent tasks ahead.Measures to improve the ability of market competition has been mentioned.Starting with hot production and its own clients,and aiming at major shopping districts can be effective methods.