The Research on Banking Consumer Loan Business
Date Issued
2007
Date
2007
Author(s)
Hsiao, Jen-Wan
DOI
zh-TW
Abstract
Although the banking industry of our country suffered great losses by the “double card storm” in 2005 year end, owing to the risk dispersion character of consumer loans and the financial market should keep balanced development, the consumer loans will still be the indispensable mainstream business to motivate future banking profit growth and service demands.
The thesis is focused on banking consumer loan business, not only aiming at the thorough discussions of the planning, pricing, operation, marketing, risk and service management and performance evaluation but also proposing competition and growth strategies . Confronted by the current both mature and saturated consumer banking market, the main conclusions of the thesis to promote consumer loans are abstracted as follows:
1.Strengthen brand image and acquire the recognition and acceptance of customers to create business value.
2.Using customer-centric principles to tailor-made customized financial products and services. Innovating continuously to establish differential competition advantages.
3.Taking good advantage of customers’ database information resources to cross-sell diversified financial commodities so as to enlarge and cultivate clients’ foundation.
4.Enhancing credit risk management and adopting practicable risk pricing concepts to set up complete credit risk evaluation mechanism to upgrade the ability of control in order to eliminate asymmetric information gap and lower adverse selection phenomenon.
5.Utilizing information technology channels to explore relevant consumer loan business to cut down operation costs.
6.Trying to cultivate specialized territories in developing consumer loan business, not chasing the market as a swarm of hornets. Focusing on the cross-selling of special profitable products to promote synergy.
Subjects
double-card storm
differential
competition advantage
cross-selling
asymmetric information
adverse selection
synergy
Type
thesis
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