本书是“银行业从业人员资格认证考试”的配套学习资料，依托具有深厚编写水平的专家团队，严格依据官方教材及考试大纲，在精选高频考点的基础上编写而成。
全书分为考点精讲及归类题库两部分：考点精讲主要选取考频较高、易混淆的考点进行详细讲解；归类题库则选取考频较高的知识点，在此基础上编设的与实战难度相当的试题。
本书特别适用于参加中国银行业从业人员资格认证考试的考生，也可供各大院校金融学专业的师生参考。
2015年银行业专业人员职业资格考试辅导用书，银行业从业人员资格认证考试辅导用书，中大网校强力推荐！源自清华的考试专家：800道真题演练+重点考点精讲+图表化记忆学习+名师答疑解惑
丛书编写初衷
近年来，随着中国银行业的不断改革与创新，整个银行业发生了历史性的变化，在国民经
济发展中发挥着越来越重要的支撑及促进作用。而银行业专业人员的待遇也水涨船高，要想从
事银行业相关工作，取得职业资格是非常必要的。
银行业专业人员职业资格考试是指银行业金融机构从事前、中、后台业务及管理工作的专
业技术人员取得相应级别和类别职业资格证书需要通过的考试。银行业专业人员职业资格英文
译为：Qualification Certificate of Banking Professional。人力资源社会保障部、中国银行业监督管
理委员会共同负责银行业专业人员职业资格制度的政策制定，并按职责分工对银行业专业人员
职业资格制度的实施进行指导、监督和检查。中国银行业协会具体承担银行业专业人员职业资
格考试工作。银行业初级资格考试为“银行业法律法规与综合能力”科目加上任意一门专业科
目，专业科目分为个人理财、风险管理、公司信贷及个人贷款。
为帮助广大考生顺利通过考试，笔者根据考试大纲编写了本套丛书，以便考生在短时间内
理解知识要点、加深记忆、熟悉题型，提高考试成功率。
丛书特色
本套丛书内容全面，资料新颖，理论联系实际，语言通俗，习题典型，可供广大银行业专
业人员参考，是广大考生顺利通过考试的必备书籍。
具体来说，本套丛书具有以下六大特点。
1. 紧跟大纲，迅速突破
本套丛书严格按照最新考试大纲编写，充分体现了教材的最新变化与要求。在详细讲解教
材基础知识的同时，每章配有精选例题及解析，通过简明扼要的考点讲解，引导考生全面、系
统地复习，让考生能够熟练掌握指定教材的全部要点和重点。
2. 源自真题，权威全面
由于银行业专业人员职业资格考试采用了机考的形式，从官方题库中自动选题，因此即使
是同一时间考试，各个考生所答的试卷也是不同的。笔者总结了多年真题，书中题目都源于官
方题库，并给出了详细的解析，以帮助考生顺利通过考试。
3. 同步演练，有的放矢
本套丛书每章最后有一套习题，并附有答案和解析，供考生检验、巩固学习成果，使考生
能尽快适应考场，在真正的考试中有的放矢，顺利通关。
4. 海量习题，贴近实战
众所周知，勤动脑、多练习，方能百战百胜。本套丛书在习题的选取上，以历年真题为
主，让考生通过习题演练了解考情和考试重点；在学习教材基础知识、分析真题的基础上，通
过模拟自测检测复习效果，了解自己的不足。
5. 简单易懂，便于自学
考虑到大部分考生是在职人士，主要利用业余时间进行自学，因此本套丛书力求语言通
俗，并对每道习题都进行了详尽、严谨的解析，便于考生自学。如果考生在学习过程中遇到问
题，可以加入本书的专用客服QQ群：344291269，将会有专业老师为您答疑解惑。
6. 图表演示，加强记忆
针对教材中知识点众多、难于记忆的问题，本丛书在编写的过程中，尽量把考点用分类图
或者表格来表示，让读者一目了然，快速记忆。
总的来说，我们希望通过纵览重点、同步自测、深度解析，使考生能够对考点了然于胸，
对考试游刃有余，对成绩胸有成竹。最后，预祝广大考生顺利通过银行业专业人员职业资格考
试，在新的人生道路上续写辉煌。
第1章 个人贷款概述
第1节 个人贷款的性质和发展 ··································································································· 1
考点1 个人贷款的概念和意义 ················································································································ 1
考点2 个人贷款的特征 ···························································································································· 3
考点3 个人贷款的发展历程 ···················································································································· 4
第2节 个人贷款产品的种类 ······································································································ 5
考点4 按产品用途分类 ···························································································································· 5
考点5 按担保方式分类 ···························································································································· 9
第3节 个人贷款产品的要素 ···································································································· 10
考点6 贷款对象 ······································································································································ 10
考点7 贷款利率 ······································································································································ 10
考点8 贷款期限 ······································································································································ 11
考点9 还款方式 ······································································································································ 12
考点10 担保方式 ···································································································································· 15
考点11 贷款额度 ···································································································································· 16
第4节 同步强化训练 ··············································································································· 17
第2章 个人贷款营销
第1节 个人贷款目标市场分析 ································································································· 25
考点1 市场环境分析 ······························································································································ 25
考点2 市场细分 ······································································································································ 29
考点3 市场选择和定位 ·························································································································· 32
第2节 个人贷款客户定位 ········································································································ 36
考点4 合作单位定位 ······························································································································ 36
考点5 贷款客户定位 ······························································································································ 38
第3节 个人贷款营销渠道 ········································································································ 39
考点6 合作单位营销 ······························································································································ 39
考点7 网点机构营销 ······························································································································ 41
目录
VI 个人贷款讲义·真题·预测全攻略
考点8 电子银行营销 ······························································································································ 42
第4节 个人贷款营销组织 ········································································································ 44
考点9 营销人员 ······································································································································ 44
考点10 营销机构 ···································································································································· 46
考点11 营销管理 ···································································································································· 47
第5节 个人贷款营销方法 ········································································································ 48
考点12 品牌营销 ···································································································································· 48
考点13 策略营销 ···································································································································· 49
考点14 定向营销 ···································································································································· 50
第6节 同步强化训练 ··············································································································· 51
第3章 个人贷款管理
第1节 个人贷款管理原则与贷款流程 ······················································································ 59
考点1 个人贷款管理原则 ······················································································································ 59
考点2 贷款流程 ······································································································································ 60
第2节 个人贷款业务风险管理 ································································································· 77
考点3 信用风险识别与评估 ·················································································································· 77
考点4 风险缓释与控制 ·························································································································· 80
考点5 信用风险监控 ······························································································································ 85
第3节 个人贷款业务共性风险及控制措施 ··············································································· 86
考点6 借款人风险及控制措施 ·············································································································· 86
考点7 抵押物风险及控制措施 ·············································································································· 87
考点8 合作方风险及控制措施 ·············································································································· 88
考点9 银行内部操作风险及管理措施 ·································································································· 89
第4节 同步强化训练 ··············································································································· 90
第4章 个人住房贷款
第1节 个人住房贷款概况 ········································································································ 92
第2节 贷款流程 ······················································································································ 97
考点1 受理与调查 ·································································································································· 97
考点2 审查与审批 ································································································································101
考点3 贷款的签约与发放 ····················································································································102
考点4 支付管理 ····································································································································102
考点5 贷后管理 ····································································································································103
第3节 风险管理 ···················································································································· 104
考点6 合作机构管理 ····························································································································105
目 录 VII
考点7 操作风险管理 ···························································································································· 111
考点8 信用风险管理 ····························································································································117
第4节 公积金个人住房贷款 ·································································································· 118
考点9 基础知识 ····································································································································118
考点10 贷款流程 ··································································································································121
第5节 同步强化训练 ············································································································· 126
第5章 个人消费贷款
第1节 个人汽车贷款 ············································································································· 142
考点1 基础知识 ····································································································································142
考点2 贷款流程 ····································································································································149
考点3 风险管理 ····································································································································156
第2节 个人教育贷款 ············································································································· 162
考点4 基础知识 ····································································································································162
考点5 贷款流程 ····································································································································170
考点6 风险管理 ····································································································································177
第3节 其他个人消费贷款 ······································································································ 183
考点7 个人住房装修贷款 ····················································································································183
考点8 个人耐用消费品贷款 ················································································································184
考点9 个人旅游消费贷款 ····················································································································185
考点10 个人医疗贷款 ··························································································································186
第4节 同步强化训练 ············································································································· 187
第6章 个人经营性贷款
第1节 个人商用房贷款 ·········································································································· 190
考点1 基础知识 ····································································································································190
考点2 贷款流程 ····································································································································193
考点3 风险管理 ····································································································································196
第2节 个人经营贷款 ············································································································· 202
考点4 基础知识 ····································································································································202
考点5 贷款流程 ····································································································································204
考点6 风险管理 ····································································································································207
第3节 农户贷款 ···················································································································· 211
考点7 基础知识 ····································································································································211
考点8 贷款流程 ····································································································································212
第4节 下岗失业小额担保贷款 ······························································································· 214
VIII 个人贷款讲义·真题·预测全攻略
第5节 同步强化训练 ············································································································· 217
第7章 其他个人贷款
第1节 个人抵押授信贷款 ······································································································ 219
考点1 基础知识 ····································································································································219
考点2 个人抵押授信贷款的操作流程 ································································································222
第2节 个人质押贷款 ············································································································· 226
考点3 基础知识 ····································································································································226
考点4 个人质押贷款的操作流程 ········································································································228
第3节 个人信用贷款 ············································································································· 230
考点5 基础知识 ····································································································································230
考点6 操作流程 ····································································································································231
第4节 同步强化训练 ············································································································· 233
第8章 个人征信系统
第1节 概述 ···························································································································· 238
考点1 个人征信系统的含义及内容 ····································································································238
考点2 个人征信系统的主要功能 ········································································································240
考点3 建立个人征信系统的意义 ········································································································241
考点4 个人征信的立法状况 ················································································································242
第2节 个人征信系统的管理及应用 ························································································ 243
考点5 个人征信系统的信息来源 ········································································································243
考点6 个人征信系统的数据录入流程 ································································································244
考点7 个人征信查询系统 ····················································································································244
考点8 个人征信系统管理模式 ············································································································246
考点9 异议处理 ····································································································································247
第3节 同步强化训练 ············································································································· 252
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