我国消费金融公司风险防范问题研究论文

本科论文摘 要近年来，我国金融市场迎来快速发展阶段，使消费金融的受众人群越来越广，消费金融公司的发展也正是得益于我国内需的不断扩大和经济快速增长的需求。目前，我国消费金融体系尚处于完善阶段，对于消费金融公司的发展研究以及业务风险的防范还缺乏实践经验。本文通过分析我国消费金融公司发展的现状和面临的主要风险，得出在风险防范中所存在的主要问题；并结合国外知名的消费金融公司风险防范的具体操作流程，得出在风险防范制度、处理流程和控制技术方面的宝贵经验；最后结合我国消费金融行业的实际情况，提出来在健全消费金融风控制度和搭建新型消费金融风控体系方面的合理化建议。关键词：消费金融，消费金融公司，风险防范Abstract本科论文In recent years, China's financial market has ushered in a stage of rapid development, which has made the audience of consumer finance more and more extensive. The development of consumer finance companies has also benefited from the continuous expansion of domestic demand and the rapid growth of economic demand. At present, China's consumer finance system is still at a perfect stage, and there is a lack of practical experience in the development of consumer finance companies and the prevention of business risks. This paper analyzes the current situation of China's consumer finance companies and the main risks they face, and draws out the main problems in risk prevention; combined with the specific operational processes of risk prevention of well-known foreign consumer finance companies, it concludes that the risk prevention system, Valuable experience in processing processes and control technology; finally, combined with the actual situation of China's consumer finance industry, it puts forward reasonable suggestions on improving consumer financial risk control and building a new consumer financial risk control system.Key words: Consumer finance,Consumer finance companies,Risk prevention本科论...