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guan yu kai ban chu xu ding qi cun dan di ya xiao e dai kuan ye wu de xian zhuang fen xi yu gai jin yi jian
Author(s): 
Pages: 31-32
Year: Issue:  11
Journal: Xi'an Finance

Keyword:  小额贷款业务分析与改进定期存单抵押贷款消费信贷储蓄存款个人信用资产业务安全性提前支取;
Abstract: <正> 西安市工行自去年2月份开办储蓄定期存款存单抵押小额人民币贷款业务以来,至今年6月末统计,此项贷款余额已达710.2万元,存单抵押业务是一项新的业务,它与个人住房贷款、个人信用卡消费信贷同属于对私授信业务范畴,是银行负债业务与资产业务有机结合的创新品种,它既实现了长期负债的流动性,又满足了信贷资产的安全性,是商业银行经营中较好的业务品种。其积极的作用,具体表现在:一是稳定了储蓄存款。对于储户来说,选择定期存款方式能使储户享
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