商业银行个人消费贷款风险防范分析摘要国家经济建设水平快速发展，带动了个人消费贷款业务数量的大幅增加，已经逐步进入快速成长期，该业务逐渐成为商业银行的主要信贷服务之一。个人消费贷款一般多是消费型，且灵活度高、额度小，对商业银行而言具有成本耗费少、盈利状况突出的优势，已经引起主要商业银行的关注，众多商业银行逐渐将经营重心转移到个人消费贷款服务中。但是这一服作为新兴业务具有发展局限性，受到个人征信不完备、相关法律不健全、内部管理不成熟等因素的制约。目前还无法很好的抵御外部及国际金融市场的冲击，随着国际金融环境的不断变化，各类风险因素层出不穷，对个人消费信贷业务产生不可估量的影响。因此，分析商业银行个人消费信贷面临的风险并提出必要的对策就具有重要的意义。本文在分析国内商业银行个人消费信贷风险的现状的同时从风险因素和风险成因两个方面探究商业银行个人消费信贷在接下来发展过程中应该注意的事项；并针对各项风险提出商业银行个人消费信贷风险管理的对策，以期能够在实践中对商业银行信贷风险的控制和管理起到良好的促进作用。关键词：关键词1，关键词2，关键词3，关键词4，关键词5RiskpreventionanalysisofindividualconsumerloanincommercialbanksABSTRACTRecently,withthedevelopmentofourcountry'seconomy,thepersonalconsumerloanbusinesshasmultipliedandenteredthecriticalperiodofrapidgrowthanddevelopment,becomingoneoftheimportantcreditbusinessofcommercialbanks.Becauseofthecharacteristicsofpersonalconsumerloansuchasconsumption,micronessandflexibility,thebusinessofpersonalconsumerloanhasadvantagessuchasstrongprofitabilityandsmallcapitalconsumptionforcommercialbanks,sotheadjustmentofthebusinesscenterofcommercialbankstofocusondevelopingthisbusiness.However,asanewbusiness,thepersonalconsumptionloanofcommercialbankshasitslimitations,whichisrestrictedbyincompletepersonalcredit,imperfectrelevantlawsandimmaturityofinternalmanagement.Atpresent,itcannotwithstandtheimpactofexternalandinternationalfinancialmarket.Therefore,itisofgreatsignificancetoanalyzetherisksofpersonalconsumercreditincommercialbanksandputforwardnecessarycountermeasures.Thispaperanalyzesthecurrentsituationofpersonalconsumercreditriskindomesticcommercialbanksandprobesintotherisksofpersonalconsumercreditincommercialbanksfromtheaspectsofriskfactorsandriskcauses.Andputforwardthepersonalconsumptioncreditriskmanagementcountermeasuresforcommercialbanks,soastobeabletopromotethecontrolandmanagementofcommercialbankcreditriskinpractice.KEYWORDS：commercialbanks,personalconsumercredit,riskmanagement目录1绪论............................................................11.1个人消费贷款的基本概念...................................................................11.2研究背景...............................................................................................11.3研究意义...............................................................................................22商业银行个人消费贷款业务中存在的主要风险及成因..................32.1主要风险...............................................................................................32.1.1个人信用风险............................................................................32.1.2经营性风险................................................................................32.1.3政策及法律风险........................................................................32.1.4市场利率风险............................................................................32.1.5竞争性风险..................................................
