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近年来,工商银行北京分行为了充分利用存量客户资源,推进网上贷款业务的快速发展,大力开展了个人金融资产自助质押贷款的推广和营销。笔者结合该行目前情况,对个人金融资产自助质押贷款产品的发展进行了分析和展望。个人金融资产自助质押贷款实质是借款人以合法有效、符合商业银行规定条件的质物出质,向银行申请取得合法合规消费或经营用途的人民币贷款。个人金融资产主要包括存单、债券、人寿保险单、开放式基金、理财产品、账户交易类产品以及积存贵金属等。借款人需要通过工行自
In recent years, ICBC Beijing Branch has vigorously launched the promotion and marketing of self-help pledged loans for personal financial assets in order to make full use of the resources of its existing customers and promote the rapid development of its online loan business. Based on the current situation of the bank, the author analyzes and forecasts the development of self-help loan products of personal financial assets. Personal financial assets self-help loan is pledged by the borrower legal and valid, in line with commercial banks under the conditions of the quality of pledges to the bank to apply for legal compliance consumer or business use of RMB loans. Personal financial assets mainly include certificates of deposit, bonds, life insurance policies, open-end funds, wealth management products, account transactions and the accumulation of precious metals. Borrowers need to use ICBC since