由于受原先专业银行条块分割的影响,长期以来我们国有银行遵循这些人为划定的专业分工,以对公业务为主体开展各自的业务,个人业务除了储蓄业务,其它个人业务品种少、占比更小,对公、对私业务发展极不平衡。但是随着国民经济的持续快速发展和商业银行市场化改革的进一步深入,个人信贷消费市场逐步建立起来,特别是由于城乡居民信用消费意识的觉醒,商业银行个人贷款业务方兴未艾,并且呈加速发展之势,逐渐成为银行信贷业务中最活跃、发展最快的业务,尤其是个人住房贷款业务,已经成为各家商业银行眼中的“香饽饽”。中国农业银行上海市长宁支行开 Due to the fragmentation of the original professional banks, our state-owned banks have long followed these professional demarcations of division of labor and carried out their businesses mainly on corporate business. Apart from the savings business, the personal banking business of the state-owned banks has fewer varieties and occupies less Smaller, to the public, very unbalanced development of private business. However, with the sustained and rapid development of the national economy and the further reform of the commercial banks, the consumer credit market has gradually been established. In particular, due to the awakening of urban and rural residents’ awareness of credit consumption, the personal loan business of commercial banks is in the ascendant and is accelerating Has gradually become the most active and fastest-growing business in the bank’s credit business. In particular, the personal housing loan business has become the “sweetheart” in the eyes of various commercial banks. Agricultural Bank of China Changning branch in Shanghai