中国商业银行信贷营销与退出

多年来,中国商业银行一直存在一种误区:只强调存款的营销而忽视贷款的营销,只强调贷款规模的扩大而忽视不良贷款比例的减少。围绕信贷营销有利于商业银行减少风险、提高市场占有率和增加银行收益等方面进行论述,同时提出信贷退出理念,并对中国商业银行近几年信贷进入及退出的行业作简单分析。

Credit Marketing and Its Withdraw of Commercial Banks in China

A mistake has long been existed in commercial banks in China: on the one hand,the banks put great emphasis on the marketing of deposit and neglect the marketing of loan.On the other hand,the banks emphasize only the expansion of the scale of loan-granting,and neglect the decreasing proportion of bad debts.The author discusses that credit marketing can help commercial banks to reduce risks,raise market shares,and increase the income of banks.In addition,the author gives the idea of credit withdraw and briefly analyzes credit marketing and credit withdraw of Chinese commercial banks in recent years.