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2004•Journal of Sichuan Institute of Animal Husbandry and Veterinary MedicineRequires access

ON THE REFORM OF STATE-OWNED COMMERCIAL BANKS——A CASE STUDY OF PERSONAL HOUSING LOAN

Mao Li

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Abstract

Taking personal housing loan for example, this paper analyzes the management system of state-owned commercial banks in China. In the process of personal loan management, the phenomena of ”grudging loan” and ”refusing” seem to be present in many places, indicating a rigid managing style. Based on an analysis of the existing defects in the loan procedure, the author puts forward several countermeasures for helping the new reform of state-owned commercial banks.

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What this paper is about

Taking personal housing loan for example, this paper analyzes the management system of state-owned commercial banks in China. In the process of personal loan management, the phenomena of ”grudging loan” and ”refusing” seem to be present in many places, indicating a rigid managing style. Based on an analysis of the existing defects in the loan procedure, the author puts forward several countermeasures for helping the new reform of state-owned commercial banks.

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Available abstract

Taking personal housing loan for example, this paper analyzes the management system of state-owned commercial banks in China. In the process of personal loan management, the phenomena of ”grudging loan” and ”refusing” seem to be present in many places, indicating a rigid managing style. Based on an analysis of the existing defects in the loan procedure, the author puts forward several countermeasures for helping the new reform of state-owned commercial banks.

Key concepts: Loan, Business, Bridge loan, Finance, State owned, State (computer science), Participation loan, China

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