我国商业银行消费信贷业务发展的思考分析研究—以住房消费信贷风险管理为例 财务会计学专业

我国商业银行消费信贷业务发展的思考分析研究—以住房消费信贷风险管理为例摘要随着社会的不断发展和居民经济收入的不断增高，我国商业银行消费信贷风险中住房消费信贷已经占了八成。随着住房消费信贷业务的不断发展，商业银行的贷款管理就有了更高的要求。我国商业银行应该在大力发展消费信贷的同时，高度警惕和注意防范风险。本文从住房消费信贷的相关理论概述出发，对商业银行住房消费信贷业务的影响进行初步的探讨，并根据目前商业银行住房消费信贷业务的问题提出一些具有操作性的改革建议。关键词：商业银行；住房消费信贷；风险管理AbstractWith the continuous development of society and people's income increasing, our country commercial bank consumer credit risk in housing consumption credit has been accounted for80%. Along with the housing consumer credit business development, commercial banks loan management have a higher requirement of. Chinese commercial banks should vigorously develop consumer credit at the same time, a high degree of vigilance and guard against risks. This article from the housing consumer credit related theory sets out, the housing consumer credit of commercial bank 's business is discussed, and according to the current housing consumer credit of commercial bank business problems put forward some workable suggestions for reform.Key words: Commercial Bank; housing consumption credit; risk management引言住宅与房地产业呈现出强劲的增长势头，逐步发展为国民经济的支柱产业。由于住房经济具有高投入、高消费等特点，它的启动离不开银行的支持。以商业银行住房消费贷款为代表的住房金融业务的迅猛发展，极大的提高了居民购房的支付能力，成为居民提前实现住房消费的重要手段。商业银行住房消费贷款的发展，对改善银行信贷资产结构、提高信贷资产质量的作用十分明显。目前，商业银行不良资产仍然较高，而商业银行向传统客户（面向生产领域贷款客户）的贷款发放非常谨慎，从追求利润、扩大资产规模的角度出发，住房消费贷款因其资产质量较高，信贷风险相对较小，市场需求比较旺盛，成为商业银行十分活跃的业务增长点。银行应发...