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个人综合性消费贷款复核通过的由()生成并打印《放款通知书》、《自助贷款开通通知书》。

发布日期:2022-05-15

个人综合性消费贷款复核通过的由()生成并打印《放款通知书》、《自助贷款开通通知书》。
A

授信审批中心主任

B

放款审核员

C

放款复核员

D

客户经理

试题解析

消费贷款

消费贷款亦称“消费者贷款”。对消费者个人贷放的、用于购买耐用消费品或支付各种费用的贷款。长期以来,商业银行主要对工商企业或其他各类机构和团体发放贷款,一般不对个人消费支出提供资助。第二次世界大战后,商业银行所以大规模开办消费贷款业务,主要原因在于:①金融业竞争日益激烈,为谋求发展,商业银行需要开拓新的业务领域。②战后西方经济发展比较稳定,个人有比较可靠的货币收入。③日益增多的各类征信机构的出现,使银行可以较低的成本了解到借款人的信用状况,保证贷款的安全。④西方国家居民为避免通贷膨胀影响,也乐于利用消费贷款。消费贷款的迅速发展,对于推销产品、促进生产发展起了重要作用。消费贷款依不同标准划分为不同的种类。从偿还期看,可分为一次偿还贷款和分次偿还贷款; 从银行与消费者的借贷关系看,可分为直接贷款与间接贷款; 依据贷款的用途,又分为汽车贷款、住宅贷款、住宅改良或修缮贷款、教育和学资贷款、小额生活贷

中文名
消费贷款
特点
用途广泛 贷款额度较高 期限较长
种类
抵押贷款、非抵押贷款、信用贷款
别名
消费者贷款
发放基础
消费者信用
类型
金融贷款类

打印

通常指把电脑或其他电子设备中的文字或图片等可见数据,通过打印机等输出在纸张等记录物上。

中文名
打印
载体
打印机
需要
文件和打印机的共享协议
外文名
print
内容
文字

生成

生成,是个使用频率很高的词汇,具有长成、形成、养育等意思。在实际生活应用当中,根据不同环境,其意思有很大扩展。

中文名
生成
释义
养育;长成
拼音
shēng chéng
相关资料
《晋书·应詹传》《屏迹》

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