贷款营销探析

• 作 者: 周效东
• 机 构: 中国工商银行安徽省分行
• 出 处: 中国城市金融
• 发表日期: 2001年07期
• 关键词: 新增贷款 资金使用 营销对策 隐性损失 效益 收益分析 企业 经营成果 机会成本 还本付息 二级分行 贷款额度 比较优势 比较利益 区分割 流动性 块分割 资源

　一、贷款营销对策思考（一）取消贷款切块分割，发挥效益比较优势。长期以来，对新增贷款都是以各二级分行上年的存、贷规模、经营成果等为依据，授予一定的贷款额度，这种做法的结果往往造成贷款收益的隐性损失，资金使用的机会成本过大。由于贷款在“销售”时有其地域上特

First, the loan marketing strategy (A) to cancel the loan cut into pieces, give play to the comparative advantage of efficiency. For a long time, new loans have been granted a certain amount of loans on the basis of the deposit and lending scale and operating results of all secondary branches in the previous year. As a result, this practice often results in the implicit loss of loan proceeds and the use of funds The opportunity cost is too big. As the loan in the “sale” has its special geographical characteristics