金融-基层商业银行消费信贷问题及对策论文设计

摘 要面对不断增长的全球经济环境和外国需求的沉重压力，扩大内需以刺激消费已成为中国经济复苏的重中之重。根据研究数据，消费信贷已成为扩大内需的重要驱动力。随着中国消费信贷市场的持续增长，住宅房地产，汽车，学生贷款和其他消费品贷款等商业银行业务突飞猛进。与西方国家相比，中国贷款业务起步较晚，市场机制还不完善。随着商业银行贷款的发展，许多问题和风险逐渐被发现。本文的主要研究目标是中国的商业消费信贷问题。调查影响消费者信用风险的关键因素，然后就如何适当保护消费者信用风险提供更明智的建议。本文的研究内容始于中国消费信贷领域的广泛发展。首先，建立和规范与消费者信贷有关的概念和知识，然后分析中国商业银行的消费者信贷业务发展状况，并以实际数据为补充，对数据进行解释，并结合现实情况来管理消费者信贷风险。在中国进行进一步分析。此外，消费者信用管理中还有许多重要因素。最后，针对这些现存问题提出了一些切实可行的对策和措施。 关键词：商业银行；消费信贷；风险防范IAbstractFacing the growing global economic environment and heavy pressure from foreign demand, expanding domestic demand to stimulate consumption has become a top priority for China's economic recovery. According to research data, consumer credit has become an important driving force for expanding domestic demand. As China's consumer credit market continues to grow, commercial banking businesses such as residential real estate, autos, student loans and other consumer goods loans have advanced by leaps and bounds. Compared with Western countries, China's loan business started late, and the market mechanism is not perfect. With the development of commercial bank loans, many problems and risks have been gradually discovered. The main research goal of this article is the issue of commercial consumer credit in China. Investigate the key factors that affect consumer credit risk, and then provide more sensible advice on how to properly protect consumer credit risk.The research content of this ...