个人贷款业务存在着风险低,品种少,收益率高,可带动银行其他业务发展等特点;存在着全社会的征信体系不完善,忽视了个人贷款业务风险性,普遍缺乏创新意识,与发达国家差距较大等问题。建议应完善全社会的征信体系,完善个人业务营销环境,加大业务创新力度等。 The personal loan business has the characteristics of low risk, small variety and high yield, which can drive the development of other banking businesses. There is an incomplete credit system in the whole society, ignoring the risk of personal loan business, lacking in awareness of innovation, Large national differences and other issues. Suggestions should improve the credit system of the whole society, improve personal business marketing environment, increase business innovation and so on.