本書是“銀行業從業人員資格認證考試”的配套學習資料，依托具有深厚編寫水平的專家團隊，嚴格依據官方教材及考試大綱，在精選高頻考點的基礎上編寫而成。
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講解；歸類題庫則選取考頻較高的知識點，在此基礎上編設的與實戰難度相當的試題。
本書特別適用于參加中國銀行業從業人員資格認證考試的考生，也可供各大院校金融學專業的師生參考。
2015年銀行業專業人員職業資格考試輔導用書，銀行業從業人員資格認證考試輔導用書，中大網校強力推薦！源自清華的考試專家：800道真題演練+重點考點精講+圖表化記憶學習+名師答疑解惑
叢書編寫初衷
近年來，隨著中國銀行業的不斷改革與創新，整個銀行業發生了歷史性的變化，在國民經
濟發展中發揮著越來越重要的支撐及促進作用。而銀行業專業人員的待遇也水漲船高，要想從
事銀行業相關工作，取得職業資格是非常必要的。
銀行業專業人員職業資格考試是指銀行業金融機構從事前、中、后臺業務及管理工作的專
業技術人員取得相應級別和類別職業資格證書需要通過的考試。銀行業專業人員職業資格英文
譯為：Qualification Certificate of Banking Professional。人力資源社會保障部、中國銀行業監督管
理委員會共同負責銀行業專業人員職業資格制度的政策制定，并按職責分工對銀行業專業人員
職業資格制度的實施進行指導、監督和檢查。中國銀行業協會具體承擔銀行業專業人員職業資
格考試工作。銀行業初級資格考試為“銀行業法律法規與綜合能力”科目加上任意一門專業科
目，專業科目分為個人理財、風險管理、公司信貸及個人貸款。
為幫助廣大考生順利通過考試，筆者根據考試大綱編寫了本套叢書，以便考生在短時間內
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
本套叢書內容全面，資料新穎，理論聯系實際，語言通俗，習題典型，可供廣大銀行業專
業人員參考，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
本套叢書嚴格按照最新考試大綱編寫，充分體現了教材的最新變化與要求。在詳細講解教
材基礎知識的同時，每章配有精選例題及解析，通過簡明扼要的考點講解，引導考生全面、系
統地復習，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，權威全面
由于銀行業專業人員職業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。筆者總結了多年真題，書中題目都源于官
方題庫，并給出了詳細的解析，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題，并附有答案和解析，供考生檢驗、鞏固學習成果，使考生
能盡快適應考場，在真正的考試中有的放矢，順利通關。
4. 海量習題，貼近實戰
眾所周知，勤動腦、多練習，方能百戰百勝。本套叢書在習題的選取上，以歷年真題為
主，讓考生通過習題演練了解考情和考試重點；在學習教材基礎知識、分析真題的基礎上，通
過模擬自測檢測復習效果，了解自己的不足。
5. 簡單易懂，便于自學
考慮到大部分考生是在職人士，主要利用業余時間進行自學，因此本套叢書力求語言通
俗，并對每道習題都進行了詳盡、嚴謹的解析，便于考生自學。如果考生在學習過程中遇到問
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，使考生能夠對考點了然于胸，
對考試游刃有余，對成績胸有成竹。最后，預祝廣大考生順利通過銀行業專業人員職業資格考
試，在新的人生道路上續寫輝煌。
第1章 個人貸款概述
第1節 個人貸款的性質和發展 ··································································································· 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 個人貸款的發展歷程 ···················································································································· 4
第2節 個人貸款產品的種類 ······································································································ 5
考點4 按產品用途分類 ···························································································································· 5
考點5 按擔保方式分類 ···························································································································· 9
第3節 個人貸款產品的要素 ···································································································· 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 擔保方式 ···································································································································· 15
考點11 貸款額度 ···································································································································· 16
第4節 同步強化訓練 ··············································································································· 17
第2章 個人貸款營銷
第1節 個人貸款目標市場分析 ································································································· 25
考點1 市場環境分析 ······························································································································ 25
考點2 市場細分 ······································································································································ 29
考點3 市場選擇和定位 ·························································································································· 32
第2節 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 個人貸款營銷渠道 ········································································································ 39
考點6 合作單位營銷 ······························································································································ 39
考點7 網點機構營銷 ······························································································································ 41
目錄
VI 個人貸款講義·真題·預測全攻略
考點8 電子銀行營銷 ······························································································································ 42
第4節 個人貸款營銷組織 ········································································································ 44
考點9 營銷人員 ······································································································································ 44
考點10 營銷機構 ···································································································································· 46
考點11 營銷管理 ···································································································································· 47
第5節 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 同步強化訓練 ··············································································································· 51
第3章 個人貸款管理
第1節 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 個人貸款業務風險管理 ································································································· 77
考點3 信用風險識別與評估 ·················································································································· 77
考點4 風險緩釋與控制 ·························································································································· 80
考點5 信用風險監控 ······························································································································ 85
第3節 個人貸款業務共性風險及控制措施 ··············································································· 86
考點6 借款人風險及控制措施 ·············································································································· 86
考點7 抵押物風險及控制措施 ·············································································································· 87
考點8 合作方風險及控制措施 ·············································································································· 88
考點9 銀行內部操作風險及管理措施 ·································································································· 89
第4節 同步強化訓練 ··············································································································· 90
第4章 個人住房貸款
第1節 個人住房貸款概況 ········································································································ 92
第2節 貸款流程 ······················································································································ 97
考點1 受理與調查 ·································································································································· 97
考點2 審查與審批 ································································································································101
考點3 貸款的簽約與發放 ····················································································································102
考點4 支付管理 ····································································································································102
考點5 貸后管理 ····································································································································103
第3節 風險管理 ···················································································································· 104
考點6 合作機構管理 ····························································································································105
目 錄 VII
考點7 操作風險管理 ···························································································································· 111
考點8 信用風險管理 ····························································································································117
第4節 公積金個人住房貸款 ·································································································· 118
考點9 基礎知識 ····································································································································118
考點10 貸款流程 ··································································································································121
第5節 同步強化訓練 ············································································································· 126
第5章 個人消費貸款
第1節 個人汽車貸款 ············································································································· 142
考點1 基礎知識 ····································································································································142
考點2 貸款流程 ····································································································································149
考點3 風險管理 ····································································································································156
第2節 個人教育貸款 ············································································································· 162
考點4 基礎知識 ····································································································································162
考點5 貸款流程 ····································································································································170
考點6 風險管理 ····································································································································177
第3節 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 個人醫療貸款 ··························································································································186
第4節 同步強化訓練 ············································································································· 187
第6章 個人經營性貸款
第1節 個人商用房貸款 ·········································································································· 190
考點1 基礎知識 ····································································································································190
考點2 貸款流程 ····································································································································193
考點3 風險管理 ····································································································································196
第2節 個人經營貸款 ············································································································· 202
考點4 基礎知識 ····································································································································202
考點5 貸款流程 ····································································································································204
考點6 風險管理 ····································································································································207
第3節 農戶貸款 ···················································································································· 211
考點7 基礎知識 ····································································································································211
考點8 貸款流程 ····································································································································212
第4節 下崗失業小額擔保貸款 ······························································································· 214
VIII 個人貸款講義·真題·預測全攻略
第5節 同步強化訓練 ············································································································· 217
第7章 其他個人貸款
第1節 個人抵押授信貸款 ······································································································ 219
考點1 基礎知識 ····································································································································219
考點2 個人抵押授信貸款的操作流程 ································································································222
第2節 個人質押貸款 ············································································································· 226
考點3 基礎知識 ····································································································································226
考點4 個人質押貸款的操作流程 ········································································································228
第3節 個人信用貸款 ············································································································· 230
考點5 基礎知識 ····································································································································230
考點6 操作流程 ····································································································································231
第4節 同步強化訓練 ············································································································· 233
第8章 個人征信系統
第1節 概述 ···························································································································· 238
考點1 個人征信系統的含義及內容 ····································································································238
考點2 個人征信系統的主要功能 ········································································································240
考點3 建立個人征信系統的意義 ········································································································241
考點4 個人征信的立法狀況 ················································································································242
第2節 個人征信系統的管理及應用 ························································································ 243
考點5 個人征信系統的信息來源 ········································································································243
考點6 個人征信系統的數據錄入流程 ································································································244
考點7 個人征信查詢系統 ····················································································································244
考點8 個人征信系統管理模式 ············································································································246
考點9 異議處理 ····································································································································247
第3節 同步強化訓練 ············································································································· 252
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