銀行從業(yè)資格考試教材2019：個(gè)人貸款（初、中級適用）簡(jiǎn)介，目錄書(shū)摘

本書(shū)依據全新考試大綱編寫(xiě)，依照章節順序，逐步細化考試內容。每章由要點(diǎn)導圖、知識解讀、同步自測、答案詳解四部分組成。先整體，后局部；講練結合。步步為營(yíng)，扎實(shí)基礎。同時(shí)提供有電腦軟件、手機軟件、微信做題、名師視頻、思維導圖課件、考拉網(wǎng)點(diǎn)題庫、千人QQ群，構建個(gè)性化、高效備考空間。

第一章  個(gè)人貸款概述.........................................1

要點(diǎn)導圖.....................................................1

知識解讀.....................................................1

    一、個(gè)人貸款的性質(zhì)和發(fā)展.................................1

    二、個(gè)人貸款產(chǎn)品的種類(lèi)...................................4

    三、個(gè)人貸款產(chǎn)品的要素...................................9

同步自測....................................................13

答案詳解....................................................15

第二章  個(gè)人貸款管理........................................17

要點(diǎn)導圖....................................................17

知識解讀....................................................18

    一、個(gè)人貸款管理原則....................................18

    二、個(gè)人貸款流程........................................19

    三、個(gè)人貸款營(yíng)銷(xiāo)管理....................................35

    四、個(gè)人貸款定價(jià)管理....................................39

    五、個(gè)人貸款風(fēng)險管理....................................43

    六、個(gè)人貸款押品管理....................................59

同步自測....................................................67

答案詳解....................................................72

第三章  個(gè)人住房貸款........................................76

要點(diǎn)導圖....................................................76

知識解讀....................................................76

    一、基礎知識............................................76

    二、貸款流程............................................86

    三、風(fēng)險管理............................................92

    四、公積金個(gè)人住房貸款..................................103

同步自測....................................................110

答案詳解....................................................115

第四章  個(gè)人消費類(lèi)貸款......................................120

要點(diǎn)導圖....................................................120

知識解讀....................................................120

    一、個(gè)人汽車(chē)貸款........................................120

    二、個(gè)人教育貸款........................................133

    三、其他個(gè)人消費類(lèi)貸款..................................147

同步自測....................................................149

答案詳解....................................................152

第五章  個(gè)人經(jīng)營(yíng)類(lèi)貸款......................................156

要點(diǎn)導圖....................................................156

知識解讀....................................................156

    一、個(gè)人商用房貸款......................................156

    二、個(gè)人經(jīng)營(yíng)貸款........................................165

    三、農戶(hù)貸款............................................172

同步自測....................................................175

答案詳解....................................................178

第六章  信用卡業(yè)務(wù)..........................................181

要點(diǎn)導圖....................................................181

知識解讀....................................................182

    一、信用卡概述..........................................182

    二、信用卡業(yè)務(wù)流程（中級考試內容）......................184

    三、分期付款業(yè)務(wù)（中級考試內容）........................190

    四、風(fēng)險管理（中級考試內容）............................191

    五、發(fā)展趨勢（中級考試內容）............................194

同步自測....................................................195

答案詳解....................................................197

第七章  個(gè)人貸款新趨勢......................................198

要點(diǎn)導圖....................................................198

知識解讀....................................................198

    一、互聯(lián)網(wǎng)金融與個(gè)人貸款（中級考試內容）................198

    二、普惠金融（中級考試內容）............................203

同步自測....................................................206

答案詳解....................................................208

第八章  個(gè)人征信系統........................................210

要點(diǎn)導圖....................................................210

知識解讀....................................................210

    一、概述................................................210

    二、個(gè)人征信系統的管理及應用............................216

    三、互聯(lián)網(wǎng)金融背景下征信業(yè)務(wù)的新發(fā)展（中級考試內容）....223

同步自測....................................................224

答案詳解....................................................226