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当前,银行效益的新增长点是个人信贷业务,其发展有利于对银行资产结构积极改进、改善盈利结构以及提高银行综合能力。本文主要分析了我国银行个人信贷发展现状,银行个人信贷业务发展作用,银行个人信贷特征,个人信贷营销管理策略。
At present, the new growth point of bank efficiency is personal credit business. Its development is conducive to making positive improvements to the bank’s asset structure, improving the profitability structure and enhancing the bank’s comprehensive ability. This article mainly analyzes the status quo of the personal credit development of our country’s banks, the development of the personal credit business of banks, the personal credit features of banks and the personal credit marketing management strategies.