本書是“銀行業(yè)從業(yè)人員資格認(rèn)證考試”的配套學(xué)習(xí)資料，依托具有深厚編寫水平的專家團隊，嚴(yán)格依據(jù)官方教材及考試大綱，在精選高頻考點的基礎(chǔ)上編寫而成。
全書分為考點精講及歸類題庫兩部分：考點精講主要選取考頻較高、易混淆的考點進行詳細(xì)講解；歸類題庫則選取考頻較高的知識點，在此基礎(chǔ)上編設(shè)的與實戰(zhàn)難度相當(dāng)?shù)脑囶}。
本書特別適用于參加中國銀行業(yè)從業(yè)人員資格認(rèn)證考試的考生，也可供各大院校金融學(xué)專業(yè)的師生參考。
2015年銀行業(yè)專業(yè)人員職業(yè)資格考試輔導(dǎo)用書，銀行業(yè)從業(yè)人員資格認(rèn)證考試輔導(dǎo)用書，中大網(wǎng)校強力推薦！源自清華的考試專家：800道真題演練+重點考點精講+圖表化記憶學(xué)習(xí)+名師答疑解惑
叢書編寫初衷
近年來，隨著中國銀行業(yè)的不斷改革與創(chuàng)新，整個銀行業(yè)發(fā)生了歷史性的變化，在國民經(jīng)
濟發(fā)展中發(fā)揮著越來越重要的支撐及促進作用。而銀行業(yè)專業(yè)人員的待遇也水漲船高，要想從
事銀行業(yè)相關(guān)工作，取得職業(yè)資格是非常必要的。
銀行業(yè)專業(yè)人員職業(yè)資格考試是指銀行業(yè)金融機構(gòu)從事前、中、后臺業(yè)務(wù)及管理工作的專
業(yè)技術(shù)人員取得相應(yīng)級別和類別職業(yè)資格證書需要通過的考試。銀行業(yè)專業(yè)人員職業(yè)資格英文
譯為：Qualification Certificate of Banking Professional。人力資源社會保障部、中國銀行業(yè)監(jiān)督管
理委員會共同負(fù)責(zé)銀行業(yè)專業(yè)人員職業(yè)資格制度的政策制定，并按職責(zé)分工對銀行業(yè)專業(yè)人員
職業(yè)資格制度的實施進行指導(dǎo)、監(jiān)督和檢查。中國銀行業(yè)協(xié)會具體承擔(dān)銀行業(yè)專業(yè)人員職業(yè)資
格考試工作。銀行業(yè)初級資格考試為“銀行業(yè)法律法規(guī)與綜合能力”科目加上任意一門專業(yè)科
目，專業(yè)科目分為個人理財、風(fēng)險管理、公司信貸及個人貸款。
為幫助廣大考生順利通過考試，筆者根據(jù)考試大綱編寫了本套叢書，以便考生在短時間內(nèi)
理解知識要點、加深記憶、熟悉題型，提高考試成功率。
叢書特色
本套叢書內(nèi)容全面，資料新穎，理論聯(lián)系實際，語言通俗，習(xí)題典型，可供廣大銀行業(yè)專
業(yè)人員參考，是廣大考生順利通過考試的必備書籍。
具體來說，本套叢書具有以下六大特點。
1. 緊跟大綱，迅速突破
本套叢書嚴(yán)格按照最新考試大綱編寫，充分體現(xiàn)了教材的最新變化與要求。在詳細(xì)講解教
材基礎(chǔ)知識的同時，每章配有精選例題及解析，通過簡明扼要的考點講解，引導(dǎo)考生全面、系
統(tǒng)地復(fù)習(xí)，讓考生能夠熟練掌握指定教材的全部要點和重點。
2. 源自真題，權(quán)威全面
由于銀行業(yè)專業(yè)人員職業(yè)資格考試采用了機考的形式，從官方題庫中自動選題，因此即使
是同一時間考試，各個考生所答的試卷也是不同的。筆者總結(jié)了多年真題，書中題目都源于官
方題庫，并給出了詳細(xì)的解析，以幫助考生順利通過考試。
3. 同步演練，有的放矢
本套叢書每章最后有一套習(xí)題，并附有答案和解析，供考生檢驗、鞏固學(xué)習(xí)成果，使考生
能盡快適應(yīng)考場，在真正的考試中有的放矢，順利通關(guān)。
4. 海量習(xí)題，貼近實戰(zhàn)
眾所周知，勤動腦、多練習(xí)，方能百戰(zhàn)百勝。本套叢書在習(xí)題的選取上，以歷年真題為
主，讓考生通過習(xí)題演練了解考情和考試重點；在學(xué)習(xí)教材基礎(chǔ)知識、分析真題的基礎(chǔ)上，通
過模擬自測檢測復(fù)習(xí)效果，了解自己的不足。
5. 簡單易懂，便于自學(xué)
考慮到大部分考生是在職人士，主要利用業(yè)余時間進行自學(xué)，因此本套叢書力求語言通
俗，并對每道習(xí)題都進行了詳盡、嚴(yán)謹(jǐn)?shù)慕馕觯阌诳忌詫W(xué)。如果考生在學(xué)習(xí)過程中遇到問
題，可以加入本書的專用客服QQ群：344291269，將會有專業(yè)老師為您答疑解惑。
6. 圖表演示，加強記憶
針對教材中知識點眾多、難于記憶的問題，本叢書在編寫的過程中，盡量把考點用分類圖
或者表格來表示，讓讀者一目了然，快速記憶。
總的來說，我們希望通過縱覽重點、同步自測、深度解析，使考生能夠?qū)键c了然于胸，
對考試游刃有余，對成績胸有成竹。最后，預(yù)祝廣大考生順利通過銀行業(yè)專業(yè)人員職業(yè)資格考
試，在新的人生道路上續(xù)寫輝煌。
第1章 個人貸款概述
第1節(jié) 個人貸款的性質(zhì)和發(fā)展 ··································································································· 1
考點1 個人貸款的概念和意義 ················································································································ 1
考點2 個人貸款的特征 ···························································································································· 3
考點3 個人貸款的發(fā)展歷程 ···················································································································· 4
第2節(jié) 個人貸款產(chǎn)品的種類 ······································································································ 5
考點4 按產(chǎn)品用途分類 ···························································································································· 5
考點5 按擔(dān)保方式分類 ···························································································································· 9
第3節(jié) 個人貸款產(chǎn)品的要素 ···································································································· 10
考點6 貸款對象 ······································································································································ 10
考點7 貸款利率 ······································································································································ 10
考點8 貸款期限 ······································································································································ 11
考點9 還款方式 ······································································································································ 12
考點10 擔(dān)保方式 ···································································································································· 15
考點11 貸款額度 ···································································································································· 16
第4節(jié) 同步強化訓(xùn)練 ··············································································································· 17
第2章 個人貸款營銷
第1節(jié) 個人貸款目標(biāo)市場分析 ································································································· 25
考點1 市場環(huán)境分析 ······························································································································ 25
考點2 市場細(xì)分 ······································································································································ 29
考點3 市場選擇和定位 ·························································································································· 32
第2節(jié) 個人貸款客戶定位 ········································································································ 36
考點4 合作單位定位 ······························································································································ 36
考點5 貸款客戶定位 ······························································································································ 38
第3節(jié) 個人貸款營銷渠道 ········································································································ 39
考點6 合作單位營銷 ······························································································································ 39
考點7 網(wǎng)點機構(gòu)營銷 ······························································································································ 41
目錄
VI 個人貸款講義·真題·預(yù)測全攻略
考點8 電子銀行營銷 ······························································································································ 42
第4節(jié) 個人貸款營銷組織 ········································································································ 44
考點9 營銷人員 ······································································································································ 44
考點10 營銷機構(gòu) ···································································································································· 46
考點11 營銷管理 ···································································································································· 47
第5節(jié) 個人貸款營銷方法 ········································································································ 48
考點12 品牌營銷 ···································································································································· 48
考點13 策略營銷 ···································································································································· 49
考點14 定向營銷 ···································································································································· 50
第6節(jié) 同步強化訓(xùn)練 ··············································································································· 51
第3章 個人貸款管理
第1節(jié) 個人貸款管理原則與貸款流程 ······················································································ 59
考點1 個人貸款管理原則 ······················································································································ 59
考點2 貸款流程 ······································································································································ 60
第2節(jié) 個人貸款業(yè)務(wù)風(fēng)險管理 ································································································· 77
考點3 信用風(fēng)險識別與評估 ·················································································································· 77
考點4 風(fēng)險緩釋與控制 ·························································································································· 80
考點5 信用風(fēng)險監(jiān)控 ······························································································································ 85
第3節(jié) 個人貸款業(yè)務(wù)共性風(fēng)險及控制措施 ··············································································· 86
考點6 借款人風(fēng)險及控制措施 ·············································································································· 86
考點7 抵押物風(fēng)險及控制措施 ·············································································································· 87
考點8 合作方風(fēng)險及控制措施 ·············································································································· 88
考點9 銀行內(nèi)部操作風(fēng)險及管理措施 ·································································································· 89
第4節(jié) 同步強化訓(xùn)練 ··············································································································· 90
第4章 個人住房貸款
第1節(jié) 個人住房貸款概況 ········································································································ 92
第2節(jié) 貸款流程 ······················································································································ 97
考點1 受理與調(diào)查 ·································································································································· 97
考點2 審查與審批 ································································································································101
考點3 貸款的簽約與發(fā)放 ····················································································································102
考點4 支付管理 ····································································································································102
考點5 貸后管理 ····································································································································103
第3節(jié) 風(fēng)險管理 ···················································································································· 104
考點6 合作機構(gòu)管理 ····························································································································105
目 錄 VII
考點7 操作風(fēng)險管理 ···························································································································· 111
考點8 信用風(fēng)險管理 ····························································································································117
第4節(jié) 公積金個人住房貸款 ·································································································· 118
考點9 基礎(chǔ)知識 ····································································································································118
考點10 貸款流程 ··································································································································121
第5節(jié) 同步強化訓(xùn)練 ············································································································· 126
第5章 個人消費貸款
第1節(jié) 個人汽車貸款 ············································································································· 142
考點1 基礎(chǔ)知識 ····································································································································142
考點2 貸款流程 ····································································································································149
考點3 風(fēng)險管理 ····································································································································156
第2節(jié) 個人教育貸款 ············································································································· 162
考點4 基礎(chǔ)知識 ····································································································································162
考點5 貸款流程 ····································································································································170
考點6 風(fēng)險管理 ····································································································································177
第3節(jié) 其他個人消費貸款 ······································································································ 183
考點7 個人住房裝修貸款 ····················································································································183
考點8 個人耐用消費品貸款 ················································································································184
考點9 個人旅游消費貸款 ····················································································································185
考點10 個人醫(yī)療貸款 ··························································································································186
第4節(jié) 同步強化訓(xùn)練 ············································································································· 187
第6章 個人經(jīng)營性貸款
第1節(jié) 個人商用房貸款 ·········································································································· 190
考點1 基礎(chǔ)知識 ····································································································································190
考點2 貸款流程 ····································································································································193
考點3 風(fēng)險管理 ····································································································································196
第2節(jié) 個人經(jīng)營貸款 ············································································································· 202
考點4 基礎(chǔ)知識 ····································································································································202
考點5 貸款流程 ····································································································································204
考點6 風(fēng)險管理 ····································································································································207
第3節(jié) 農(nóng)戶貸款 ···················································································································· 211
考點7 基礎(chǔ)知識 ····································································································································211
考點8 貸款流程 ····································································································································212
第4節(jié) 下崗失業(yè)小額擔(dān)保貸款 ······························································································· 214
VIII 個人貸款講義·真題·預(yù)測全攻略
第5節(jié) 同步強化訓(xùn)練 ············································································································· 217
第7章 其他個人貸款
第1節(jié) 個人抵押授信貸款 ······································································································ 219
考點1 基礎(chǔ)知識 ····································································································································219
考點2 個人抵押授信貸款的操作流程 ································································································222
第2節(jié) 個人質(zhì)押貸款 ············································································································· 226
考點3 基礎(chǔ)知識 ····································································································································226
考點4 個人質(zhì)押貸款的操作流程 ········································································································228
第3節(jié) 個人信用貸款 ············································································································· 230
考點5 基礎(chǔ)知識 ····································································································································230
考點6 操作流程 ····································································································································231
第4節(jié) 同步強化訓(xùn)練 ············································································································· 233
第8章 個人征信系統(tǒng)
第1節(jié) 概述 ···························································································································· 238
考點1 個人征信系統(tǒng)的含義及內(nèi)容 ····································································································238
考點2 個人征信系統(tǒng)的主要功能 ········································································································240
考點3 建立個人征信系統(tǒng)的意義 ········································································································241
考點4 個人征信的立法狀況 ················································································································242
第2節(jié) 個人征信系統(tǒng)的管理及應(yīng)用 ························································································ 243
考點5 個人征信系統(tǒng)的信息來源 ········································································································243
考點6 個人征信系統(tǒng)的數(shù)據(jù)錄入流程 ································································································244
考點7 個人征信查詢系統(tǒng) ····················································································································244
考點8 個人征信系統(tǒng)管理模式 ············································································································246
考點9 異議處理 ····································································································································247
第3節(jié) 同步強化訓(xùn)練 ············································································································· 252
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