金融管理专业我国商业银行个人消费信贷业务的风险及其防范

我国商业银行个人消费信贷业务的风险及其防范摘 要在全球经济环境日益紧张，外部需求面临巨大压力的情况下，扩大内需和刺激消费已成为中国刺激经济的重点之一。由于中国消费需求的增长，信贷需要也随之增长，房地产，汽车，学生贷款和其他各种耐用消费品等贷款业务需求飙升。与西方相比，中国的贷款业务起步较晚，市场机制还不成熟，商业银行消费信贷业务的发展随之引起诸多矛盾和风险。本文立足于中国消费贷款业务发展背景，首先解释了中国商业银行消费贷款的概念和消费贷款业务的发展水平。随后，根据我国的现实状况，分析了消费贷款风险管理存在的问题。最后，针对这些存在的问题提出了一些现实的对策和实施手段。 关键词：商业银行，消费信贷，市场经济Commercial bank personal consumption credit risk and its prevention ABSTRACTIn an increasingly strained global economic environment and under enormous pressure on external demand,expanding domestic demand and stimulating consumption has become one of the middle points of China's economic stimulus.As China's consumer credit market continues to expand,commercial Banks have seen their business,student loans and various other consumer durables.Compared to the west,lending in China started late and the market mechanism is not perfect,the development of consumer credit business of commercial Banks has gradually caused many problems and risks.On the basis of summarizing the development background of consumption loan business in China,this paper firstly analyzes the concept of consumption loan of Chinese commercial Banks and the development level of consumer loan business.Then,according to the actual situation of our country,this paper analyzes the problems existing in the risk management of consumer loans.Finally,some practical countermeasures and measures are put forward.KEYWORDS ： Commercial bank, Consumption credit, Market economy目 录1 绪论...............................................................................