近年来，随着我国社会主义市场经济的不断发展，民营经济发展迅速，同时 伴随着不同银行之间的业务竞争，个人经营性贷款成为了各大银行实现业务转 型，获取高额利润，增加市场份额的利器。 但据目前银行个人经营性贷款的审批模式来看，基本都是按照企业贷款的审 批模式，也就是个人贷款企业化。原有的审批流程及传统担保方式已经不适应于 现有及将来的业务需求，也就限制了我国个人经营性贷款的发展。 文章以本人所在的交通银行亳州分行为研究对象，综合探讨亳州中药材市场 贷款管理过程中的审批流程和相应担保方式。通过与当地其他国有银行及农商行 的对比及对当地药商贷款客户的问卷调查，发现交通银行亳州分行在亳州中药材 市场商户贷款的审批流程过于复杂，欧亿·体育（中国）有限公司要求过多，担保方式过于单一，审批效 率低下，贷后风险管理效率低等问题。这些问题限制了交通银行亳州分行中药材 市场贷款更进一步的发展，也成了其把亳州中药材市场个人经营性贷款发展成为 其自身特色个人经营贷款品牌的瓶颈。 通过对上述贷款流程的分析与探究，针对交行亳州分行中药材市场贷款管理 过程，本文提出以下优化贷款流程建议建议，综合交通银行个人资产管理系统， 征信系统，交通银行贷款系统进行多系统整合，对客户作出大数据分析，快速对 客户情况作出判断，快速完成贷款审批，同时对于交行高端客户作出差异化审批， 提升高端客户体验度。对借款人个人经营情况分析，应根据不同客户的经营特点， 不仅根据借款人银行流水，同时考虑借款人微信，支付宝，现金销售等情况，多 方面分析借款人销售收入，合理给予借款人相应贷款额度。在贷款担保方式方面， 应打破单一房产抵押担保的手段，通过引入借款人其他合理资产抵质押担保，担 保公司担保，第三方非担保公司担保等担保方式，合理为借款人选择担保方式。 在贷后风险管理方面，应通过贷款系统提示定期监控，不定期监控，及风险预警 等方式，开展无纸化调查，提升贷款风险管理效率。 关键词：个人经营性贷款；贷款审查；担保方式 交通银行亳州分行中药材市场贷款管理过程优化研究 I ABSTRACT Inrecentyears,China'seconomyhavedevelopedrapidly,thisrapiddevelopment ofprivateeconomy,atthesametime,withthebusinesscompetitionbetweendifferent banks,personalbusinessloanshavebecomeasharptoolformajorbankstoachieve businesstransformation,obtainhighprofitsandincreasemarketshare. However,accordingtothecurrentexaminationandApprovalModeofbank personalbusinessloans,itisbasicallyinaccordancewiththeapprovalmodeof enterpriseloans,thatis,individualloansarecorporatized.Theoriginalexamination andapprovalprocessandthetraditionalguaranteemethodarenolongersuitablefor thecurrentandfuturebusinessneeds,whichlimitsthedevelopmentofpersonal businessloansinChina. BasedontheresearchtextofBozhoubranchofBankofcommunications,this papercomprehensivelydiscussestheapprovalprocessandcorrespondingguarantee methodsintheprocessofloanmanagementofBozhoutraditionalChinesemedicine market.Throughthecomparisonwithotherlocalstate-ownedbanksandagricultural commercialbanksandthequestionnairesurveyoflocalpharmaceuticalloan customers,itisfoundthattheapprovalprocessofBozhoubranchofBankof communicationsinBozhoutraditionalChinesemedicinemarketistoocomplex,too muchinformationisrequired,theguaranteemethodistoosingle,theapproval efficiencyislow,andthepostloanriskmanagementefficiencyislow.These problemshaverestrictedthefurtherdevelopmentofBozhoubranch'sChineseherbal medicinemarketloans,andalsobecomethebottleneckofthedevelopmentofBozhou Chineseherbalmedicinemarketpersonalbusinessloanintoitsowncharacteristicsof personalbusinessloanbrand. Throughtheanalysisandexplorationoftheabove-mentionedloanprocess,in viewoftheloanmanagementprocessofBozhoubranchofBOCOM,Iwillput forwardthefollowingsuggestionsthroughthispaper:integratethepersonalasset managementsystem,creditinformationsystemandloansystemofBankof communications,analyzethebigdataofcustomers,quicklyjudgethesituationof customers,andquicklycompletetheloanreviewAtthesametime,wewillmake II differentiatedapprovalforhigh-endcustomersofBOCOMtoimprovethe experienceofhigh-endcustomers.Theanalysisoftheborrower'spersonalbusiness shouldbebasedontheoperatingcharacteristicsofdifferentcustomers,notonly accordingtotheborrower'sBankrunningwater,butalsoconsidertheborrower WeChat,Alipay,cashsalesandsoon,andanalyzetheborrower'ssalesincomein variousways,andreasonablygivetheborrowerthecorrespondingloanamount.In termsofloanguaranteemode,weshouldbreakthesinglehousepropertymortgage guaranteemethod,introduceotherreasonableassetsmortgageandpledgeguarantee, guaranteecompanyguarantee,third-partynonguaranteecompanyguaranteeandso on,soastoreasonablyselecttheguaranteemodefortheborrower.Intheaspectof postloanriskmanagement,weshouldcarryoutpaperlessinvestigationbymeansof regularmonitoring,irregularmonitoringandriskearlywarningtoimprovethe efficiencyofloanriskmanagement. KEYWORDS:Personalbusinessloan;loanexamination;guaranteemode 交通银行亳州分行中药材市场贷款管理过程优化研究 目录 第一章绪论..............................................................................................1 第一节选题背景及研究意义.............................................................................1 一、选题背景..................................................................................................1 二研究意义....................................................................................................3 第二节国内外文献综述.....................................................................................4 一、国外文献综述..........................................................................................4 二、国内文献综述..........................................................................................4 第三节研究内容及方法.....................................................................................6 一、研究内容..................................................................................................6 二、研究方法..................................................................................................7 第二章相关概念界定及理论基础.........................................................8 第一节相关概念界定.........................................................................................8 一、个人经营性贷款......................................................................................8 二、流程管理..................................................................................................9 三、流程再造..................................................................................................9 第二节理论基础.................................................................................................9 一、信息不对称理论......................................................................................9 二、预期收入理论........................................................................................10 三、信用脆弱理论........................................................................................10 第三章中药材市场贷款管理现状分析...............................................11 第一节交通银行亳州分行基本情况.................................................................11 一、经营状况................................................................................................11 二、信贷资产质量........................................................................................13 第二节交通银行亳州分行中药材市场贷款审批及贷后风险管理.................14 一、贷款审批组织框架................................................................................14 二、贷款审查方式........................................................................................17 三、担保方式................................................................................................17 四、贷后风险管理........................................................................................18 第三节交通银行亳州分行中药材市场贷款调查分析.....................................18 一、问卷设计与发放....................................................................................19 二、问卷调查结果........................................................................................19 第四章交通银行亳州分行中药材市场贷款管理比较分析..............24 第一节药都银行中药材市场贷款管理分析...................................................24