“我国商业银行信用卡业务发展对策”我需要关于这题目的参考文献,十分着急

樊彦杰 2019-12-21 12:48:00

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山西建筑,2019,30。
黄真强2019-12-21 15:19:34

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  • 1赖荣旋;我国商业银行个人理财业务发展探讨;厦门大学;2019年。
    赵颖霞2019-12-21 13:55:53
  • 以下供参考:HeatherM.Hermanson.AnAnalysisoftheDemandforReportingonInternalControl.JournalofInformationSystems,2019,1:63—81.TheInstituteofInternalAuditors.UKandIreland,PositionStatement:RiskBasedInternalAuditing,London:IIAUKandInland,2003.JeffreyDoylea、WeiliGebandSarahMcVay.Determinantsofweaknessesininternalcontroloverfinancialreporting.JournalofAccountingandEconomics.September2019,pp193-223.AndrewJ.Leone.Factorsrelatedtointernalcontroldisclosure:AdiscussionofAshbaugh,Collins,andKinney2019andDoyle,Ge,andMcVay2019.JournalofAccountingandEconomics.2019,September:pp224-237。
    符翩翩2019-12-21 13:38:19
  • “客户是上帝”是商业上的一句名言。对银行业来说,客户就是上帝。客户对银行服务是否满意直接关系着客户对该家银行的忠诚度,如果客户经常得不到满意的服务,那么它就可能更换银行。下面,回头客忠诚度会员管理系统就与您一起探讨银行业。银行之..。
    黄睿君2019-12-21 13:20:42
  • OA图书馆。输入相应英语关键词搜索。
    赵颖雪2019-12-21 13:07:09

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消费信贷是商业银行主要的收入来源,但同时也是风险最大的,银行必须要有能力承担坏账出现的可能性。商业银行的消费信贷,主要指消费者用其个人收入作为担保向各种金融服务提供者申请借款,金融服务机构,通过对其个人信息核准,确实是否对消费者发放用于满足消费者消费需求的贷款的一种信用贷款方式。关于消费方面信贷的债务水平有很多方面决定,比如信贷者的承受能力,偿还能力,可支配的收入以及信贷者的信用状况。自从个人信贷在我国出现,到逐渐发展壮大,经过了很多年的发展。国内商业银行消费方面的信贷服务经历从出现,发展壮大,从单一形式的存单质押方式的贷款发展到现在的多品种,多方位的创新。如果单单只从消费这一领域去看,已初步的形成了个人住房信贷为主体,房屋装修贷款、汽车消费贷款、休假旅游贷款、教育助学贷款等补充的多个方位,多个消费领域。如果单单用于信贷的工具来看,出现了国库券质押、存单质押、信用卡等多种新型方式。从为消费提供信贷服务的机构来看,由原来的仅仅只有国有商业银行,慢慢的发展到拥有提供信贷服务资格和能力的各种商业银行。和公司方面的信用贷款业务作比较,消费信用贷款有着:客户群体更加广泛、市场的潜力相当巨大、风险相对较小等许多优点。因此,近几年以来,我国各个商业银行都在不遗余力的开发各种具有其自身鲜明特点的消费贷款业务,经过这么多年的努力,已经有了相当的规模。但根据有关的统计显示,各行各业的消费信贷的总规模刚刚超过信贷总规模的15%,部分中、小城市消费信贷甚至不到总体信贷的5%。从发达国家如美国,日本我们可以发现,消费信贷的规模一般会占银行信贷30%左右甚至更高,就我国香港特别行政区来看,消费信贷大概占其商业银行信贷总额的45%左右,通过这些例子,我们可以清楚看出来,国内商业银行消费信贷还有许多潜力可挖,同时由于我国消费信贷仍处初级阶段,商业银行的操作经验不够丰富,国家法律法规未能及时跟上,所以许多的问题也是不可避免的。参考文献:1]邵彦敏.启动消费信贷是繁荣农村经济的重要之举.贵州师范大学学报社会科学版,20193潘丽娟.我国消费信贷现状分析.合作经济与科技,20191。
TheconceptofBanksnon-performingassets1,thebankcan''tontimeaccordingtotheseverityofthenon-performingassets,canchoosebankbankruptcyliquidationoraccordingtothepredeterminedtimelimit,fullspecifiedamountaccordingtothepredeterminedrateintothelineofassetreorganization.2,afterthebanklendingintheformofbankcreditassetsisnotinconformitywiththeprincipleofsafety,liquidityandprofitabilityinoverdue,dull,badconditionandsomeoftheloansatrisk.3,bankcan''tnormalbackornottoreturntheloanreceived.4,referstoinagoodoperatingstate,notbringstothebankintimetonormalinterestincomeandevenhardtorecovertheprincipalofbankassets,mainlyreferstothenon-performingloans,includingsubprimeloananditsinterest,suspiciousandloss.5,Bankscan''ttimelygetininterestincomeandwithdrawtheprincipalassets.6,agoodmanagementofthestateoftheBanks''assets,primarilynon-performingloanassets,thebankcan''trecovertheprincipalandinterestoftheloaninatimelymanner.Include:failedtorecoveroverdueloans,dullloansandnon-performingloans.Managementmeasuresofnon-performingassetsofBanks1.Theformationofbadcreditassetsstrippingsystemreason.NationalinstitutionaldebtofBanksandenterprisesshouldtakeoutapieceofinstitutionalresourcescompensation,changedtheloanstoinvestmentistheenterprisecan''trepaythebankloantoinvestmentintheenterprise,ismainlyreferstosomeofthenationaleconomyandpeople''slivelihoodandsocialstabilityoflargeenterprisesloandefaults.2.Professionalshallcarryoutthecorporatebanking.Professionalcorporatebank,aimstoestablishpropertyrightclear,nobodyisclear,fromgovernmentadministrativeintervention,\"theirownrisks,andtobalance,self-discipline,self-financing,self-development\"oftheoperatingmechanism.Adheretotheprincipleofcapitalliquidity,safetyandprofitability,fromthesystemtofunctionallconformtothebusinessprinciplesofstate-ownedcommercialBanks.3.Theconstructionofstate-ownedenterprisegroups,topromoteenterpriseassetsreorganization.Enterprisegroupisproducedforthemodernproductivescaleeconomyrequiresaformofenterpriseorganization.Bestproductionscale,thelowestcostandbenefit,itnotonlythroughthejointgatheredhugeproductivity,toproduceasingleenterpriseisdifficulttorealizethecombinationeffectofrapidlymeettherequirementsofmoderneconomiesofscale,atthesametime,itsorganization,whichfullyreflectstheflexiblemanagementofcommodityeconomy.Havefastadvanceddevelopmentpattern,theenterprisegroupisfasterthananyotherformoforganizationdevelopment,roleineconomiclife.Scaleeconomicbenefit,theintensiveproductionenterprisegroupcompany,therearetwomainways:oneistheimplementationofindividualenterprisescaleexpansion,itisacorporaterestructuring,throughmergersandacquisitionsandotherforms.Powerfulgroupco.,LTD.,andthelatterhasbecomeadaptedtomarketeconomydevelopmentrequestformthemainstreamofgroupcompany.Thegovernment''sassetsreorganizationofenterprisesworktostrongleadershipandplanning,bywayofjointventure,cooperation,grafting,restructuringandresources,toachieveresourcerestart,restructuringmustimplementthebankcreditor''srightsatthesametime,inordertoachievethepurposeofcreditassets.4.Strengtheningthemanagementofbankcredit.Creditassetsriskpreventionandmanagementofeveryloancreditinvestigation,loanreview,post-loaninspectionbefore,strengthencreditmanagementmustbecarriedoutonloanmanagementresponsibilitysystem.Oneistoclarifytheresponsibilitiesofrelevantpersonnel,theestablishmentofPresidentresponsibleforthesystem,theseparationofapprovingsystem,hierarchicalexaminationandapprovalsystem,leavingtheauditsystem,soastoreducethemanagementrisk.2itistocorrecttheirloanslighttubephenomenon,achievethefundamentaltransitionfromextensivetointensivemanagementstyle,improvethelevelofmanagement,improvethelevelofriskmanagement,inparticular,topreventandreducenewbadcreditassets.5.Inaccordancewiththeloan.Firstofall,fromthelegalsafeguardtheautonomyofcommercialBanksandthelegitimaterightsandinterests,putanendtothegovernment''sadministrativeinterventionofBanks;Next,wanttosupportthebanktocollecttheloanprincipalandinterest,ifnecessary,bymeansofthelaw,forenterprisestoevadethedebtrestructuringofthemachineornotalsorich,covertauctionerosionbankassetssuchasmortgagegoods,behavior,andtomaintainthelegitimaterightsandinterestsofthebank.这是英文的文章,你要文献就抄每段第一句。