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发力消费信贷 银行加大产品创新

2017-08-10 05:04:24   中国青年网

近年来,随着消费升级和互联网金融的快速崛起,个人消费信贷市场开始被各类互联网金融机构纷纷抢占,随着个人消费领域的巨大前景逐渐显现,各大商业银行也开始纷纷出招,加大产品创新力度,布局消费金融领域,以在此市场上分得一块蛋糕,记者走访发现,如今,市面上各类消费贷产品特色十足。

A 创新产品 银行业加快布局

为了加快在消费信贷领域的布局,相关产品正在不断被创新并推广。据记者了解,目前,包括工商银行、中国银行、建设银行、招商银行、浦发银行、兴业银行等在内的多家商业银行,均推出了自己的个人消费贷款互联网产品。这些产品基本都是通过网银、手机银行、微信平台等互联网渠道发放贷款,客户在线提交申请后,马上就能获知贷款预批额度,并且很快获得相应的放款。

相比于互联网企业,银行的客户规模大、品牌信誉好、资金实力雄厚,所以该类产品一经推出就受到消费者的普遍欢迎。比如建行推出的“快贷”产品,作为运用互联网思维和大数据工具的创新产品,是全国金融系统首个全流程网上自助式个人信用贷款,个人客户可通过建行电子渠道(手机银行)实现贷款的自助申请,网上实时审批,实时贷款发放和贷款的自主使用。客户申请“快贷”额度,无需支付利息,只有使用贷款,才按日支付利息,在贷款周期里,客户可以通过建行电子渠道随借随还,贷款可以部分归还也可以全部归还,贷款额度一直循环使用。在山西,建行已经为其代发工资客户、公积金缴交客户、房贷客户等群体提供了信贷支持,截至今年6月末,已经为近百万个人给予了信贷授信,将近10万人使用了“快贷”,累计发放“快贷”近40亿元。

中银协此前的调查显示,在商业银行个人业务发展重点的调查中,个人消费贷款已经连续四年成为个人金融业务中最重要的部分,其中,个人综合消费贷款可以根据客户需求,由各家银行自主设计产品,满足教育、差旅、装修、购物等全方位金融需求,因而成为目前各大银行重点推行的业务。有数据统计称,目前,个人消费贷款在银行贷款业务中占到10%以上。未来,该比例可能会有进一步的提升。

来自人行太原中心支行的数据同样显示,今年以来,山西个人消费贷款快速增长,助推全省消费增长。今年上半年,全省个人消费性贷款余额2160.5亿元,同比增长38%,增速高于全部贷款16.4个百分点;比年初增加323.5亿元,同比多增128.5亿元。

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