商业银行消费信贷业务的风险与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ABSTRACTInanincreasinglystrainedglobaleconomicenvironmentandunderenormouspressureonexternaldemand,expandingdomesticdemandandstimulatingconsumptionhasbecomeoneofthemiddlepointsofChina'seconomicstimulus.AsChina'sconsumercreditmarketcontinuestoexpand,commercialBankshaveseentheirbusiness,studentloansandvariousotherconsumerdurables.Comparedtothewest,lendinginChinastartedlateandthemarketmechanismisnotperfect,thedevelopmentofconsumercreditbusinessofcommercialBankshasgraduallycausedmanyproblemsandrisks.OnthebasisofsummarizingthedevelopmentbackgroundofconsumptionloanbusinessinChina,thispaperfirstlyanalyzestheconceptofconsumptionloanofChinesecommercialBanksandthedevelopmentlevelofconsumerloanbusiness.Then,accordingtotheactualsituationofourcountry,thispaperanalyzestheproblemsexistingintheriskmanagementofconsumerloans.Finally,somepracticalcountermeasuresandmeasuresareputforward.Keywords：commercialbank；consumptioncredit；marketeconomy目录第1章绪论................................................31.1研究背景及意义................................................31.2国内外研究综述................................................3第2章个人消费信贷概述....................................52.1个人消费信贷的概念............................................52.2个人消费信贷的种类及特征......................................52.3个人消费信贷风险的内涵与外延..................................62.3.1个人消费信贷风险的内涵..........................................................................................62.3.2个人消费信贷风险的外延..........................................................................................6第3章我国商业银行消费贷款业务发展现状分析................73.1我国商业银行个人消费信贷业务发展阶段分析......................73.2我国商业银行个人消费信贷业务发展现状..........................73.3商业银行个人消费信贷面临互联网消费贷的挑战....................8第4章商业银行个人消费信贷业务风险管理存在的问题及原因...104.1商业银行个人消费信贷业务风险管理存在的问题...................104.1.1贷前调查难度较大....................................................................................................104.1.2贷款审批环节较繁琐................................................................................................104.1.3贷后管理手段落后....................................................................................................114.2商业银行个人消费信贷业务风险管理存在问题的原因...............124.2.1商业银行内部控制机制有待完善............................................................................124.2.2缺乏科学全面的风险管理理念................................................................................124.2.3缺乏专业的独立的风险评估机构和风险管理队伍............................
