未来5到10年,我国银行业的经营环境将发生诸多重大变化,表现在利率市场化、结构调整、城镇化、金融脱媒化和消费取代投资开始占主导。在此经济背景下,个贷业务以其顺应宏观经济政策、低资本成本、高稳定抗周期性为银行带来较高的价值贡献,发展前景十分广阔。但现有以产品销售为主的个贷经营方式,已不能很好地适应市场竞争和客户需求的变化,急需转变发展方式。 In the next five to 10 years, there will be many major changes in the operating environment of China’s banking industry. The performance will be dominated by the marketization of interest rates, structural adjustment, urbanization, financial disintermediation, and the replacement of consumption by investment. Under this economic background, the personal loan business has brought a high value contribution to the banking industry with its macro-economic policies, low cost of capital and high stability and cyclicality. Its development prospects are very broad. However, the existing personal loan management mode based on product sales can no longer meet the needs of market competition and customer needs. It is in urgent need of changing the mode of development.