According to recent studies suggest that the housing consumer credit business has become the world's top commercial bank profits in one of the loans. 据最近的研究表明住房消费信贷业务已经成为全球商业银行利润收入最高的贷款业务之一。
On Developmental Risk and Policy Control of the Individual Consumer Credit Business 论个人消费信贷业务的发展风险与政策控制
Credit risk has many rank-order, it is may be Bank Credit, Fiscal Credit, Consumer Credit, Business Credit, and so on. 信用风险是多层次的,它可以是政府的信用风险、银行的信用风险、消费者的信用风险和企业的信用风险,等等。
Analyses the risk of breach, the risk of loan fraud, the risk of interest rate and inflation rate, and the risk of depreciation and disposal in real estate consumer credit in China have already become the potential threat of the development of Chinese realty business. 分析了目前我国房地产消费信贷的违约风险、假贷款风险、利率通胀率风险及贬值处置风险等已成为我国房地产业发展的潜在危险。
Consumer credit model has been applied in the business of banks. 个人信用风险模型已经被普通应用于银行的业务中。
Inthe recent years, with growth of economy and evolution of financial operations, consumer credit business has been developing dramatically. 近几年随着经济的增长,金融营销方式的转变,消费信贷业务得到了飞速地发展。
The second part of this paper analysis a kind of typical bond insurance& the automobile bond insurance of consumer credit business. It is from the angles of business develop current situation and analysis of legal relation. 本文第二部分针对实践中消费信贷领域比较典型的保证保险业务&汽车消费信贷保证保险业务进行了法律评析,从业务开展现状、法律关系分析等方面进行了比较详尽的论证。
Thoughts on consumer credit of expanding Chinese business bank 发展我国商业银行消费信贷的思考
The rather urgent difficulties at the time are how the state owned commercial banks the main undertaker of consumer credit service adapt themselves to the changing market demand and the requirements of government policies, and develop such business actively and steadily. 国有商业银行作为承办消费信贷业务的主体,如何适应市场需求的变化和国家政策的需要,积极稳妥地办好这一业务,更是当前亟待研究解决的课题。
As a new consumer credit business, credit cards brought huge profits are gradually being valued by the commercial banks. 作为新兴的信贷消费业务,信用卡所带来的丰厚利润正逐渐被各商业银行所重视,在各家银行大肆发卡圈地的同时却忽视了其背后潜在的巨大风险。
But unfortunately, consumer credit in china has only a few dozen years of history, its development characteristic and methods are still in groping stage, although in Europe 、 the United States and other developed countries the consumer credit business are already quite mature. 但遗憾的是,在欧美等发达国家发展已经相当成熟的消费信贷在我国还只有短短十几年的发展时间,其发展特征、方法都还在摸索阶段。
To some extent this problem has constrained and impeded the sound development of consumer credit business. 并且,这一问题已在一定程度上制约和阻碍了个人信贷业务的良性发展。
Credit risk has become one of the key risks faced by commercial banks, especially in credit cards, mortgages, auto loans and other consumer credit business, credit risk management is become one of the most important problem which need to be solved. 信用风险已经是商业银行所面临的重要风险之一,特别是在在信用卡、住房按揭、汽车贷款等信贷业务中,如何有效进行信用风险管理已经成为了银行亟需解决的问题。
As the consumer credit has a very important role on stimulating consumption demand, promoting stable economic growth and improving the assets structure of banks, Chinese financial institutions should develop consumption credit business vigorously. 由于消费信贷在刺激消费需求、促进经济稳定增长、改善银行的资产结构方面有十分重要的作用,我国金融机构应该大力发展消费信贷业务。
In China, commercial banks are the main availability of consumer credit, which made the individual consumer credit has been developing rapidly these years. But individual consumer credit business in China needs further improve at many aspects. 在我国,商业银行是消费信贷的主要提供者,因此近年来商业银行的个人消费信贷业务得到了快速的发展,但我国商业银行的个人消费信贷业务在很多方面还需要进一步完善。
Consumer credit legislation to fill gaps in the consumer credit business law, construction in the credit system should be government-led, market supplement, and to fully protect the privacy of information subjects; clear information about issuers disclosure obligations. 填补个人消费信贷立法的空白,使消费信贷业务有法可依,在征信体系的建设上应以政府为主,市场为辅,并做到充分保护信息主体的隐私权;明确发卡行的信息披露义务。
For individual consumer credit card business management and provide scientific basis for decision-making and prediction. 为银行卡管理层和个人消费信贷业务提供科学预测和决策依据。
In recent years, in response to the fierce competition, this bank the rapid expand the consumer credit business, leading to the consumer credit business expansion and hidden huge risk situation. 近几年,为应对同业之间的激烈竞争,该行急速扩大了消费信贷的业务比重,导致了消费信贷业务蓬勃发展和潜藏巨大风险共存的局面。
More than ten years consumer credit in scale and the kinds of business develop with the fast growth of the domestic economy. 近十几年伴随着我国经济的快速增长,消费信贷在规模和业务品种等方面也得到了一定的发展。
In the consumer credit business behind the huge earning potential, but also bears great risks, especially credit risk. 在消费信贷业务丰厚的盈利潜力背后,也蕴藏着很大的风险,特别是信用风险。
In our country, with development of country economies, the living standards enhances unceasingly and consumer credit business enter the high-speed-rise period. 而在我国,随着我国经济的发展,人民生活水平不断提高,消费信贷业务已进入高速增长期。
Driven by the rapid development of personal consumer credit, commercial banks increasingly focused on developing their business, the travel consumer credit and other new types of credit products have emerged. 在个人信贷消费飞速发展的带动下,各商业银行越来越注重针对消费热潮来开拓业务,旅游信贷消费等各种新型信贷产品也应运而生。
Then, we introduce the development of the consumer credit, the types of business and the various business risk management mode in the construction bank S city branch. 接着,介绍了建设银行S市分行消费信贷发展的基本情况,所开办业务的种类及各项业务的风险管理模式,同时也对其消费信贷业务中的主要风险进行了进一步的分析。
The individual consumer credit business of core business with high yield is gradually becoming the uppermost business and one of benefits source in Hunan branch of Bank of Communications. 作为高收益的核心业务的个人消费信贷业务,正逐步成为交通银行湖南省分行最主要的业务和效益来源之一。
And then used the analytic hierarchy process to build a competitive hierarchy model of consumer credit business in Mudanjiang Agricultural Bank of China, and selected the appropriate competitive strategy for Individual Consumption Credit in Mudanjiang Agricultural Bank of China by the results of the quantitative analysis. 然后运用层次分析法构建了牡丹江农业银行个人消费信贷业务的竞争层次结构模型,通过定量分析结果选取了适合牡丹江农业银行个人消费信贷发展的竞争策略。
Among them, the Development Fund projects and individual projects is the key to consumer credit business development projects; second pricing strategy. 其中,开发基金项目和个人消费信贷项目是重点要开发的业务项目;第二是价格策略。
Consumer credit business in China started late. 我国消费信贷业务起步较晚。
Then, this article starting from the internal and external environment of the Mudanjiang Agricultural Bank of China, analyzed the advantages, weaknesses, opportunities and threats of the consumer credit business in Mudanjiang Agricultural Bank of China. 其次本文从牡丹江农业银行的内外部环境入手,分析了牡丹江农业银行在个人消费信贷业务上的优势、劣势、机会、威胁。
Then based on the situation the article states the development goal of the consumer credit service, indicates the consumer credit business direction, and analyzes its related system establishment. 随后根据哈商行的实际情况,确定了其消费信贷的发展目标,指出了消费信贷业务的发展方向,并分析了消费信贷有关制度的建立。