消费贷款流向与管控问题研究

本科论文摘 要随着经济的发展，居民生活水平的提高以及居民消费观念的改变。中国金融机构逐步开展消费贷款业务，由于开展消费贷款业务不仅能够满足居民消费的需求，而且进一步促进了中国经济的迅速发展。20 世纪 90 年代，中国人民银行正式发布了《关于开展个人消费信贷的指导意见》，从此以商业银行为主的金融机构向广大居民开展消费信贷业务。经过十多年的发展，商业银行消费贷款业务给企业、居民带来了巨大的便利，但是其所表现出来的种种漏洞却表现的淋漓尽致，有关监管部门采取了一些举措，但效果并不明显，这就导致了消费贷款肆意流向其他领域，同时监管部门对商业银行审查力度不够。本文就消费贷款流向、消费贷款流向出现的问题、有关部门采取的管控措施以及针对其存在的问题应当实行怎样的举措进行论述，让消费贷款业务成为我国金融机构稳定发展大有效推动力。关键字：消费贷款,流向,管控本科论文AbstractWith the development of economy, the improvement of living standard and the change ofconsumption concept. China's financial institutions gradually carry out consumer loan business, which can not only meet consumer demand, but also further promote the rapid development of China's economy. In the 1990s, the people's Bank of China officially issued the guiding opinions on developing personal consumption credit, and since then, the financial institutions with commercial banks as the main body have launched consumption credit business to the majority of residents. After more than ten years of development, the consumer loan business of commercial banks has brought great convenience to enterprises and residents, but its various loopholes are incisively and vividly displayed. The relevant regulatory authorities have taken some measures, but the effect is not obvious, which leads to the wanton flow of consumer loans to other fields, and the regulatory authorities do not have enough review on commercial banks.This paper discusses the flow of consumer loans, the problems ...