商业银行消费信贷风险研究及措施.docVIP

我国商业银行个人消费信贷风险研究 摘要 我国商业银行开展的消费信贷业务，到目前为止，已经极大的促进了国民经济的增长。但是与此同时，消费信贷作为商业银行的新兴业务来说，消费信贷风险也是不容忽视的，这已成为阻碍我国银行业稳健经营和持续发展的一大障碍。消费信贷风险按照各个主体的不同，主要分为借款人信用风险、银行操作风险、市场风险、政策性风险等。目前，影响我国商业银行个人消费贷款风险管理的因素主要有个人信用体系不健全、银行自身管理薄弱、抵押物难以变现、利率尚未市场化和指标化管理的不利影响等。针对上述风险，应从建立健全消费信贷相关法律法规、建立健全社会征信体系、完善商业银行内部风险管理体制、完善商业银行业务制度，积极防范银行操作风险几个方面着手。 关键词：商业银行 个人消费信贷 风险管理 The Analysis of Our Commercial Bank Individual Consumer Credit Risk in China ABSTARACT Chinese commercial Banks of consumer credit business, so far, has greatly promoted the growth of the national economy. But at the same time, consumer credit as a new business of commercial bank the risk is also not allow to ignore. It is impeding our country banking stable operation and sustainable development. According to the different of credit risk, it can be divided into the borrower credit risk, the bank operation risk, business partners and guarantee risk and market risk. At present, credit reporting system is not sound, the management of the Banks themselves weak, the mortgaged property management to liquidation, interest rates have not yet of the market economy and index management are to influence our country commercial bank personal consumption loan risk management of the main factors. In view of the above risks, from the four aspects，the first field establishing and improving the consumer credit related laws and regulations, the second field building a healthy social credit reporting system, the third field improving the commercial Banks internal risk management system, the third field actively preventing bank operation risk several aspects. Key word: Commercial bank individual consumer credit risk management 目 录 引 言 1 我国消费信贷现状 2 个人消费信贷风险成因 2.1 相关法律制度不健全 2.2 个人信用体系不健全 2.3 银行消费贷款设计欠缺 2.4 银行自身管理薄弱 2.5 利率尚未市场化 3 个人消费信贷风险防范对策建议 3.1 建立健全消费信贷相关法律法规 3.2 建立健全社会征信体系 3.3 完善商业银行内部风险管理体制 3.4 完善商业银行业务制度 3.5 积极防范银行操作风险 引 言 在国际经济不景气的当前，出口形势严峻的情况下，要保持我国经济平稳较快的增长，就必须扩大国内需求，充分发挥出国内消费对经济增长的拉动作用。商业银行推出的个人消费信贷业务是能提高