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建设银行大力发展个人住房贷款业务是大势所趋 ,受个人住房贷款单笔金额较小、收益较少的影响 ,要实现个人住房贷款业务的最大化效益产出 ,必须在努力降低其经营风险的基础上 ,注意经营成本控制。因而 ,在经营模式上应选择 :授权基层行对个人住房贷款从受理申请、最终决策到回收本息 ,控制风险负全部责任 ,上级行主要在加强指导、检查和考核上发挥作用
It is the trend of the times for China Construction Bank to develop personal housing loan business vigorously. Due to the small amount of individual housing loans and the small amount of revenue, it is necessary for China Construction Bank to realize the maximization of economic benefits and output of personal housing loan business based on efforts to reduce its business risk , Pay attention to operating cost control. Therefore, in the business model should be selected: Authorized grass-roots line of individual housing loans from accepting applications, the final decision-making to recover the principal and interest, the overall risk control responsibility, the superior line mainly in strengthening the guidance, inspection and assessment play a role