论文部分内容阅读
一、拓展零售业务是市场的需要、客户的需要。农行基层部处地处乡镇或城郊结合部,大客户、优良客户少,业务“吃不饱”,新业务中间业务难以形成气候,而众多的私营个体经济、中小企业以及先富起来的进城农民和居民,因诸多限制,在经营或消费中资金短缺,往往告贷无门。因此,农行要在信贷投入上广开信用之门,把面广量大的信贷零售业务交给点多面广人员多的基层部处去搞,将众多的客户吸引到农行来,建立起银企银户良好的信用关系,推动和促进业务经营发展。 二、拓展零售业务是农行基层部处自身发展的需要。信贷零售业务的对象大多数是中小企业或个人,所需资金大多数是流动性的、短期间隙的,提供的担保或抵押标的直观,客户的生产经营状况和家底比较清楚,能有效地防范和抑制贷款风险,
First, to expand the retail business is the needs of the market, customer needs. Grassroots Department of the Agricultural Bank of China is located in the township or suburban areas with large customers, excellent customers less, the business “enough to eat,” the new business is difficult to form a climate of the middle business, and many private economy, SMEs, and into the city Farmers and residents, due to many constraints, often run out of money because of a shortage of funds in business or consumption. Therefore, ABC should open its door to credit in terms of credit opening up, bring a large amount of credit retail business to grassroots units with a wide range of personnel and attract many clients to ABC to establish a banking system The good credit relations of the bank households promote and promote the business development. Second, to expand retail business is the need for the development of ABC’s grassroots units. Credit retail business is mostly targeted at small and medium enterprises or individuals, most of the required funds are liquid, short-term gap, the provision of guarantees or mortgages the subject of the visual, the customer’s production and management and family background more clearly, can effectively prevent and Inhibit loan risk,