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伴随金融改革持续深化,利率市场化、金融脱媒进程不断加快,商业银行面对的外部经营环境更趋严峻。而宏观经济转型在引发市场需求萎靡不振的同时,也倒逼商业银行跟上变革的步伐,积极把握新时期的竞争机遇。推进零售业务跨越式发展,尤其是培育逆周期、收益稳定、综合贡献度较高的个贷竞争力,已成为银行业破解盈利增长瓶颈的共识。工商银行现行个贷业务经营模式形成于2005年前
With the continuous deepening of financial reform, the marketization of interest rates and the acceleration of financial disintermediation, the external business environment faced by commercial banks has become even more severe. While the macroeconomic restructuring has caused the sluggish market demand, commercial banks are also forcing them to keep up with the pace of change and actively seizing the opportunities for competition in the new era. Promoting the leapfrog development of the retail business, in particular, cultivating the competitiveness of individual loans with counter-cyclicality, stable income and high comprehensive contribution, has become the consensus of the banking industry to crack the bottleneck of profit growth. ICBC’s current personal loan business model was formed in 2005