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零售贷款业务作为商业银行批量化发展的业务,提高利润贡献率主要在于取得规模化效应。而渠道、效率、风险这三个关键要素,影响了零售贷款从市场营销到贷款收回的整个过程。近几年掀起的互联网浪潮,正给了零售贷款一个突破的契机。2015年的政府工作报告中李克强总理提出“互联网+”的思路。零售贷款从营销渠道、获客方式、贷款审批、风险控制、贷后管理各个方面,正在进行着一场深刻的变革。本文从渠道、效率、风险控制三个方面,通过商业银行的
As a business of mass commercial bank development, the retail loan business mainly aims to achieve the large-scale effect of increasing the profit contribution rate. The three key elements of channel, efficiency and risk have affected the whole process of retail loan from marketing to loan recovery. The wave of the Internet set off in recent years is giving retail outlets a breakthrough opportunity. In the 2015 government work report, Premier Li Keqiang put forward the idea of “Internet + ”. Retail loans are undergoing a profound transformation from marketing channels, access to customers, loan approval, risk control and post-loan management. This article from the channel, efficiency, risk control in three areas, through commercial banks