个人消费贷款风险风险对策

摘 要个人消费贷款业务是商业银行最热门的一项业务，也是实体经济最重要的一项业务。随着经济的发展，居民消费观念逐渐朝着预支消费的方向转变，个人消费贷款业务的市场需求不断扩大。然而伴随着互联网的发展，消费也在不断升级加快，传统商业银行个人消费贷款产品已经不能完全满足新的市场，因此各商业银行个人消费贷款产品也在不断结合互联网技术产生创新更迭，随之而来的原有风险与新兴风险也就成为了商业银行要注意防范的重点。本文分析了我国商业银行个人消费贷款的特点，以及个人消费贷款风险分类的意义。并以兴业银行为例，分析了兴业银行个人消费贷款业务发展现状及风险因素，提出了相应的对策，最后总结了商业银行个人消费贷款面临的主要风险及防范措施。关键词：个人消费贷款；风险；风险对策 AbstractPersonal consumption loan business is the most popular business of commercial banks, and also the most important business of real economy. With the development of economy, the concept of residents' consumption gradually changes to the direction of consumption in advance and consumption in advance, and the market demand of personal consumption loan business is expanding.However, with the development of the Internet, consumption is also accelerating, and the traditional commercial banks' personal consumer loan products can no longer fully meet the new market. Therefore, the individual consumer loan products of commercial banks are constantly combining with the Internet technology to produce innovation and change.This paper analyzes the characteristics of personal consumption loans of commercial banks in China and the meaning and classification of personal consumption loan risks. Taking industrial bank as an example, this paper analyzes the development status and risk causes of personal consumption loan business of Industrial Bank, and puts forward corresponding countermeasures. Finally, it summarizes the main risks faced by the personal consumption loa...