第1章 个人贷款概述
第1节 个人贷款的性质和发展 ··································································································· 1
考点1 个人贷款的概念和意义 ················································································································ 1
考点2 个人贷款的特征 ···························································································································· 3
考点3 个人贷款的发展历程 ···················································································································· 4
第2节 个人贷款产品的种类 ······································································································ 5
考点4 按产品用途分类 ···························································································································· 5
考点5 按担保方式分类 ···························································································································· 9
第3节 个人贷款产品的要素 ···································································································· 10
考点6 贷款对象 ······································································································································ 10
考点7 贷款利率 ······································································································································ 10
考点8 贷款期限 ······································································································································ 11
考点9 还款方式 ······································································································································ 12
考点10 担保方式 ···································································································································· 15
考点11 贷款额度 ···································································································································· 16
第4节 同步强化训练 ··············································································································· 17
第2章 个人贷款营销
第1节 个人贷款目标市场分析 ································································································· 25
考点1 市场环境分析 ······························································································································ 25
考点2 市场细分 ······································································································································ 29
考点3 市场选择和定位 ·························································································································· 32
第2节 个人贷款客户定位 ········································································································ 36
考点4 合作单位定位 ······························································································································ 36
考点5 贷款客户定位 ······························································································································ 38
第3节 个人贷款营销渠道 ········································································································ 39
考点6 合作单位营销 ······························································································································ 39
考点7 网点机构营销 ······························································································································ 41
目录
VI 个人贷款讲义·真题·预测全攻略
考点8 电子银行营销 ······························································································································ 42
第4节 个人贷款营销组织 ········································································································ 44
考点9 营销人员 ······································································································································ 44
考点10 营销机构 ···································································································································· 46
考点11 营销管理 ···································································································································· 47
第5节 个人贷款营销方法 ········································································································ 48
考点12 品牌营销 ···································································································································· 48
考点13 策略营销 ···································································································································· 49
考点14 定向营销 ···································································································································· 50
第6节 同步强化训练 ··············································································································· 51
第3章 个人贷款管理
第1节 个人贷款管理原则与贷款流程 ······················································································ 59
考点1 个人贷款管理原则 ······················································································································ 59
考点2 贷款流程 ······································································································································ 60
第2节 个人贷款业务风险管理 ································································································· 77
考点3 信用风险识别与评估 ·················································································································· 77
考点4 风险缓释与控制 ·························································································································· 80
考点5 信用风险监控 ······························································································································ 85
第3节 个人贷款业务共性风险及控制措施 ··············································································· 86
考点6 借款人风险及控制措施 ·············································································································· 86
考点7 抵押物风险及控制措施 ·············································································································· 87
考点8 合作方风险及控制措施 ·············································································································· 88
考点9 银行内部操作风险及管理措施 ·································································································· 89
第4节 同步强化训练 ··············································································································· 90
第4章 个人住房贷款
第1节 个人住房贷款概况 ········································································································ 92
第2节 贷款流程 ······················································································································ 97
考点1 受理与调查 ·································································································································· 97
考点2 审查与审批 ································································································································101
考点3 贷款的签约与发放 ····················································································································102
考点4 支付管理 ····································································································································102
考点5 贷后管理 ····································································································································103
第3节 风险管理 ···················································································································· 104
考点6 合作机构管理 ····························································································································105
目 录 VII
考点7 操作风险管理 ···························································································································· 111
考点8 信用风险管理 ····························································································································117
第4节 公积金个人住房贷款 ·································································································· 118
考点9 基础知识 ····································································································································118
考点10 贷款流程 ··································································································································121
第5节 同步强化训练 ············································································································· 126
第5章 个人消费贷款
第1节 个人汽车贷款 ············································································································· 142
考点1 基础知识 ····································································································································142
考点2 贷款流程 ····································································································································149
考点3 风险管理 ····································································································································156
第2节 个人教育贷款 ············································································································· 162
考点4 基础知识 ····································································································································162
考点5 贷款流程 ····································································································································170
考点6 风险管理 ····································································································································177
第3节 其他个人消费贷款 ······································································································ 183
考点7 个人住房装修贷款 ····················································································································183
考点8 个人耐用消费品贷款 ················································································································184
考点9 个人旅游消费贷款 ····················································································································185
考点10 个人医疗贷款 ··························································································································186
第4节 同步强化训练 ············································································································· 187
第6章 个人经营性贷款
第1节 个人商用房贷款 ·········································································································· 190
考点1 基础知识 ····································································································································190
考点2 贷款流程 ····································································································································193
考点3 风险管理 ····································································································································196
第2节 个人经营贷款 ············································································································· 202
考点4 基础知识 ····································································································································202
考点5 贷款流程 ····································································································································204
考点6 风险管理 ····································································································································207
第3节 农户贷款 ···················································································································· 211
考点7 基础知识 ····································································································································211
考点8 贷款流程 ····································································································································212
第4节 下岗失业小额担保贷款 ······························································································· 214
VIII 个人贷款讲义·真题·预测全攻略
第5节 同步强化训练 ············································································································· 217
第7章 其他个人贷款
第1节 个人抵押授信贷款 ······································································································ 219
考点1 基础知识 ····································································································································219
考点2 个人抵押授信贷款的操作流程 ································································································222
第2节 个人质押贷款 ············································································································· 226
考点3 基础知识 ····································································································································226
考点4 个人质押贷款的操作流程 ········································································································228
第3节 个人信用贷款 ············································································································· 230
考点5 基础知识 ····································································································································230
考点6 操作流程 ····································································································································231
第4节 同步强化训练 ············································································································· 233
第8章 个人征信系统
第1节 概述 ···························································································································· 238
考点1 个人征信系统的含义及内容 ····································································································238
考点2 个人征信系统的主要功能 ········································································································240
考点3 建立个人征信系统的意义 ········································································································241
考点4 个人征信的立法状况 ················································································································242
第2节 个人征信系统的管理及应用 ························································································ 243
考点5 个人征信系统的信息来源 ········································································································243
考点6 个人征信系统的数据录入流程 ································································································244
考点7 个人征信查询系统 ····················································································································244
考点8 个人征信系统管理模式 ············································································································246
考点9 异议处理 ····································································································································247
第3节 同步强化训练 ············································································································· 252
