Banks can handle personal loans. Personal loan means that a single user applies for a loan without the participation of a second person. To apply for a personal loan after marriage, you don't need to check your spouse's credit information or your spouse's signature. Of course, a personal loan is mainly to review the personal credit qualification status. If the personal credit qualification conditions are poor, it will not pass the review.

Personal loan (referred to as "personal loan" for short), also known as retail loan business, rose in western countries after the Second World War and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly.

China's personal loan has been implemented in Shenzhen, hoping to stimulate the development of China's financial industry in more channels, directions and diversification.

There are also non-bank professional financial institutions in Beijing that provide professional small personal credit loans, which is the first in the industry, and the wealth management products are constantly improving, and the rates are similar to those of banks that can provide credit loans.

First, the background of the emergence and development of personal loans in China

(a) the personal income of residents has increased substantially, and the savings of residents have increased rapidly;

(2) Revolutionary changes have taken place in residents' consumption structure and lifestyle;

(3) The government has a positive attitude towards personal loans;

(4) It is attractive for banks to obtain personal loans with high risks and high returns;

Second, the present situation and prospect of personal loans in China.

(a) the variety of personal loans is not rich enough to meet the financing needs of individuals with different income levels;

(2) The traditional consumption concept is a big obstacle to the development of personal loans;

(3) The social security system is not perfect, which inhibits people's demand for personal loans;

(4) Failure to establish an effective risk management mechanism;

(5) Lack of external mechanism to help banks control and resolve personal loan risks;

(6) Personal loans have a bright future and a tortuous road.