我国商业银行消费信贷的风险分析与对策思考.pdfVIP

要 消费信贷是经济发展到一定程度，货币信用关系发展到较高水平时，为缓解 消费与生产之间的矛盾，使消费增长速度适应生产增长速度而出现的一种金融服 务产品。它是指金融机构向消费者发放的用于购买商品和服务的贷款，它是消费 者在资金短缺的情况下 贷款来购买消费品的一种特殊消费方式。 长期以来，我国商业银行贷款业务服务对象主要是企事业单位，消费信贷业 务几近空白。近几年随着经济的增长，金融营销方式的转变，消费信贷业务得到 了飞速地发展。随着消费信贷规模的不断扩大,消费信贷风险逐渐暴露出来, 已严重 阻碍了消费借贷的健康发展。消费信贷风险产生的主要原因是:个人征信系统不完 善,房价和车价的下降致使部分消费者 断供”,商业银行贷款管理方面存在漏洞和瑕 疵,抵押物变现困难,消费贷款市场竞争不规范,消费信贷风险防范法规体系不完善 等。为促进我国消费信贷业务的健康、快速发展,应进一步完善个人信用征信系统, 建立个人信用 价体系,建立科学的消费信贷 价模型,逐步完善与消费信贷相关 的法律体系、商业银行组织机构和业务流程 及消费贷款担保制度。 关键词：商业银行 消费信贷 风险管理 1 Abstract Consumer credit is a financial product that emerges to harmonize the conflicts between consumption and production, as the economy developed to a certain stage where the credit system is quite sophisticated and the growth rate of consumption lags behind that of production. For a longtime,loan business from our commereial banks benefits Primarily enterprises and companies,while leaving consumer credit business almost blank.In the recent years,with growth of economy and evolution of finaneial operations,consumer credit business has been developing dramatieally. With the expanded scale of consumer credit consumer credit risk gradually exposed.This has seriously hindered the healthy development of consumer credit. The main reasons for credit risk arising from consumption are inadequate personal credit information system, and the price decline in housing prices andmotorprices led to some consumers default, leaks and flaws in themanagementof commercialbank lending, difficulties in collateral liquidity, irregularmarket competition in the consumer loanmarke,t imperfect legal risk-preventing systems for consumer credit etc. For the promotion of a healthy and rapid development i