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对于邮储银行各地市分行而言,零售信贷转型升级,是一个对市场、客户、产品、内控等专业要素重新细分、选择和优化的过程,需要我们在了解国家与地区产业发展政策、准确把握行业经济特点的基础上,探寻自身产品与市场需求的契合点,实施对行业客户、市场客户、区域客户的批量开发,并通过合作平台的构建,对共性客户进行授信和风险管理,从而有效地缓释经营风险。
As for the branches and sub-branches of the Postal Savings Banks in various parts of the world, the transformation and upgrading of retail credit is a process of subdividing, selecting and optimizing professional factors such as market, customer, product and internal control. We need to understand the industrial development policies of our country and region accurately On the basis of grasping the economic characteristics of the industry, we explore the meeting points of our products and market demands, carry out the batch development of industrial customers, market clients and regional customers, and make credit and risk management of common customers through the construction of cooperation platform so as to be effective To slow release of business risk.