包邮2021 新大纲 个人贷款(初、中级适用)

章 个人贷款概述.........................................1
要点导图.....................................................1
知识解读.....................................................1
一、个人贷款的性质和发展.................................1
二、个人贷款产品的种类...................................4
三、个人贷款产品的要素...................................9
同步自测....................................................13
答案详解....................................................15
第二章 个人贷款管理........................................17
要点导图....................................................17
知识解读....................................................18
一、个人贷款管理原则....................................18
二、个人贷款流程........................................19
三、个人贷款营销管理....................................35
四、个人贷款定价管理....................................39
五、个人贷款风险管理....................................43
六、个人贷款押品管理....................................59
同步自测....................................................67
答案详解....................................................72
第三章 个人住房贷款........................................76
要点导图....................................................76
知识解读....................................................76
一、基础知识............................................76
二、贷款流程............................................86
三、风险管理............................................92
四、公积金个人住房贷款..................................103
同步自测....................................................110
答案详解....................................................115
第四章 个人消费类贷款......................................120
要点导图....................................................120
知识解读....................................................120
一、个人汽车贷款........................................120
二、个人教育贷款........................................133
三、其他个人消费类贷款..................................147
同步自测....................................................149
答案详解....................................................152
第五章 个人经营类贷款......................................156
要点导图....................................................156
知识解读....................................................156
一、个人商用房贷款......................................156
二、个人经营贷款........................................165
三、农户贷款............................................172
同步自测....................................................175
答案详解....................................................178
第六章 信用卡业务..........................................181
要点导图....................................................181
知识解读....................................................182
一、信用卡概述..........................................182
二、信用卡业务流程（中级考试内容）......................184
三、分期付款业务（中级考试内容）........................190
四、风险管理（中级考试内容）............................191
五、发展趋势（中级考试内容）............................194
同步自测....................................................195
答案详解....................................................197
第七章 个人贷款新趋势......................................198
要点导图....................................................198
知识解读....................................................198
一、互联网金融与个人贷款（中级考试内容）................198
二、普惠金融（中级考试内容）............................203
同步自测....................................................206
答案详解....................................................208
第八章 个人征信系统........................................210
要点导图....................................................210
知识解读....................................................210
一、概述................................................210
二、个人征信系统的管理及应用............................216
三、互联网金融背景下征信业务的新发展（中级考试内容）....223
同步自测....................................................224
答案详解....................................................226