The income of the large retail credit system is the income obtained from providing loans. The contract number sent to the comprehensive business system by the large retail credit system is allowed to be used across years. When issuing syndicated loans, the sponsoring bank has completed the process and added the member bank loan information. The loan is allowed in installments within the limit recognized by the bank.

In order to comprehensively enhance the overall competitiveness of our large retail business and effectively solve the problems existing in the old credit system, it is urgent to build a large set of unified entrances, advanced functions, centralized data, and complete information sharing. Retail credit management system.

Basic concepts

Personal consumer credit refers to credit loans provided by banks or other financial institutions to individual consumers in the form of commodity currency in the form of credit, mortgage, pledge guarantee or guarantee. . According to the different loan recipients, consumer credit is divided into buyer's credit and seller's credit. Buyer's credit is a loan extended to consumers purchasing consumer goods.

Such as personal travel loans, personal comprehensive consumption loans, personal short-term credit loans, etc. Seller's credit is a loan issued to companies selling consumer goods with installment documents as collateral, such as personal small loans, personal housing loans, personal car loans, etc., depending on the guarantee.

It can be divided into mortgage loans, pledge loans, guaranteed loans and credit loans. The launch of personal short-term credit loans marks a change in the business philosophy of state-owned commercial banks, the development of new business areas, and a breakthrough in the traditional business model.