建设银行北京昊天支行个人信贷业务现状调研-

建设银行北京昊天支行信贷业务现状调研

摘要

21 世纪以来，自从中国加入 WTO 以后，我国经济不断开放与世界接轨，金融行业经历了高速发展，银行业的规模扩张速度也是前所未有。2008年金融危机的爆发使得银行业深刻体会到金融业实为机遇与挑战并存。上一个10年，银行资产规模高速增长得益于公司业务板块，但近年来商业银行开始转型，高度重视并大力发展零售业务，其中信贷业务是商业银行盈利的一个重要来源。在经济下行的宏观经济形势下，对公贷款业务的不良率一直较高，银行主抓信贷业务，重新挖掘利润的增长点也是大势所趋，与之伴随的是如何管控信贷业务风险成为了商业银行不可忽视的环节。当前，宏观经济形势下行，投资与消费受到了一定程度的影响，但信贷业务的规模是稳健增长的，这让我们不得不关注信贷业务的风控问题。

本文以中国建设银行昊天支行为例，首先对分析探讨了学术界对于商业银行信贷业务的研究成果，并分析信贷业务的相关理论，在此基础上对中国建设银行昊天支行信贷业务现状进行介绍。接下来，通过问卷调查的形式，了解中国建设银行昊天支行信贷业务基本情况以及存在的一些问题。最后，结合前文的研究，对中国建设银行昊天支行发展信贷业务提出相关建议。

关键词：建设银行；北京昊天支行；信贷业务；现状

Abstract

Since the 21st century, since China's accession to the WTO, China's economy has been continuously open to the world, the financial industry has experienced rapid development, and the scale expansion speed of the banking industry is unprecedented. The outbreak of the financial crisis in 2008 made the banking industry deeply realize that there are both opportunities and challenges in the financial industry. In the last 10 years, the rapid growth of bank assets benefited from the business sector of the company, but in recent years, commercial banks began to transform and attach great importance to and vigorously develop retail business, in which personal credit business is an important source of profit for commercial banks. Under the macro-economic situation of economic downturn, the non-performing rate of public loan business has always been high. It is also the general trend for banks to focus on personal credit business and rediscover the growth point of profits. Along with it, how to control the risk of personal credit business has become an indispensable link for commercial banks. At present, the macro-economic situation is declining, and investment and consumption are affected to a certain extent, but the scale of personal credit business is growing steadily, which makes us have to pay attention to the risk control of personal credit business.

Taking Haotian branch of China Construction Bank as an example, this paper first analyzes and discusses the academic research results of personal credit business of commercial banks, and analyzes the relevant theories of personal credit business, and then introduces the current situation of personal credit business of Haotian branch of China Construction Bank. Next, through the form of questionnaire, to understand the basic situation of personal credit business of China Construction Bank Haotian sub branch and some existing problems. Finally, combined with the previous research, the paper puts forward relevant suggestions for the development of personal credit business of China Construction Bank Haotian sub branch.

Keywords：Haotian sub branch; personal credit business; current situation