III. Theo tai sin dim ha°
3.1.2.Dinh hwang phat Wan cho vay lieu &nog Khdch hang cao cap
T) ne xau hen ng qua hen CVTD KHCC
3.1.2.Dinh hwang phat Wan cho vay lieu &nog Khdch hang cao cap
Trong tiled gian tai TPBank chit trong ham nr a vio phat then cho vay tieu dung KHCC ket hqp vii cac dich vu tien ich khitc Want tao dieu kien thuan lqi nhAt cho sin phAm nay phat trien. Berl day la san phim tuy so lugng KHCC vay it, nhung quy me cim moi khoan vay lai Ian, nen mang lai mgt lqi nhuon on dinh cho TPBank. Hon nUa, thi tnrimg KHCC con mai me, nen van co tiem nAng de phat trien va ma rung trong nhUng nAm tai.
Val mite tieu nam trong top NTHM di diu ve chAt lacing san phAm cling nhu dich vu dinh cho KHCC, TPBank dua nhang chinh sach phat trien phu hop de sin phAm cho vay tieu dung KHCC phat trien nhu: Guam lAi sat hoGc dua ra cac mac Ili suit uu dRi ttrcmg ling theo them KHCC ma TPBank di phan chia, xem xet cap han mire vay tieu dung pha hop vii kha nAng tii chinh Ichac nhau cua tong KHCC. Cung cAp them nhieu sin phAm dich vu yeti nhieu sr Iva chon cho KHCC de d4t nu, tieu ce lAi suit thap, tang bao hiem cho Stang KHCC vay lieu clang, tang hart mire cAp tin dung, trim Final nhieu han hinh thirc cho vay tin chAp,... Ngoai ra, TPBank nen c6 dinh huong cho vay tieu dung dinh cho than than KHCC, cap han mire theo tang &Si Wong ngueri thin, dk bie't Tatung khich hang la con dm KHCC, beri day la nhem khach hang tiem niing, nhu cAu chi tieu 16n vi thuong xuyen, nh6m khach hang tre Bang ce nhieu nhu cAu vay chi tieu phuc mua sAm, sinh hoat bing hinh thirc tra gep hang thing va khong can tii sin dam bao.
Tiep tic duy tri cac m8i quan he cho vay tieu dung vii KHCC truyen thong, ben earth do tim kiem va phat trien KHCC meri.
Dam bao chit Itrong cac khoan vay tieu dung KHCC luon a mire cao vi hob thien san phAm cho vay tieu dung KHCC, giup KHCC &Km hinang dAy dpi lqi ich to sin phAm dich vu cua TPBank.
Da dung has cac sin phAm cho vay tieu dung KHCC, chit trong vao cac sin phAm vay c6 dO rui ro thip nhu cho vay du hoc tai nuac ngoai hoAc cho vay chi tieu qua the tin dung,...
Thvc hien nghien cau va phan loai nhu au khach hang theo ba nh6m khach hang Sieu cao cAp, khach hang DAc biet va KHCC tiem Ming, de tae thong tin nhim dua ra sin phAm cho vay tieu dung mai phir hqp vol thi hien, yeu cAu cua tong nh6m KHCC va de ra cac chinh sach cling nhu yin de an luu y khi cho vay tieu dung, dap ling nhu cau ngay cang lap va da clang cua KHCC.
Tang cuting cong tic truyen thong, quang cao, Uhl thi san pham cho vay tieu dung KHCC tren cac phucmg [Fen truyen thong dai chting nhim thu but va phat trien KHCC mei den v6i TPBank.
Val nhfing dinh huemg dung din, di kern v6i ke hoach re• rang se giftp TPBank phat trien san phim cho vay tieu dung KHCC Mt hcm, trer thanh ngfin hang than thiet va la sv Iva chon tru tien cua KHCC.