商业银行个人消费信贷面临的风险及防范对策 毕业论文.doc

目　录 一、绪论 5 （一）研究背景 5 （二）研究意义 5 （三）国内外研究现状 6 1.国外研究现状 6 2.国内研究现状 7 二、相关理论基础 7 （一）消费信贷概念 7 （二）消费信贷风险 8 三、商业银行个人消费信贷现状分析 9 （一）我国消费信贷发展历程 9 （二）消费信贷风险管理现状 9 四、商业银行个人消费信贷面临的风险 10 （一）个人消费信贷的风险因素 10 （二）个人消费信贷的风险成因 11 五、商业银行个人消费信贷风险管理对策 12 （一）个人消费信贷风险管理的基石——制度保障 12 1.个人消费信贷风险管理相关法律制度的强化 12 2.个人征信体系的快速建设和完善 12 （二）个人消费信贷风险管理的内在——内部管理 13 1.商业银行内部风险管理文化的构建 13 2.商业银行内部风险管理组织的夯实 13 3.商业银行个人信用评估体系的重构 14 （三）个人消费信贷风险管理的外在——补偿机制 14 六、结论 15 参考文献 15 摘　要 当下，个人消费信贷业务正经历迅速发展时期，成为商业银行的重要信贷业务之一。由于个人消费信贷具有很多优良的特点，如盈利能力强、资本消耗小，所以引起商业银行的调整经营重心，着力发展该项业务。同时，随着金融市场环境的不断变化，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。 本研究在分析国内外研究现状的基础，首先讨论相关的理论和概念；然后，着重对商业银行个人消费信贷风险的现状进行分析；其次，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所面临的风险；最后，从制度保障、内部管理和补偿机制等三方方面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：商业银行　个人消费信贷　风险管理 Abstract At present, personal consumption credit business is undergoing rapid development period, and is going to become one of the important credit business of commercial Banks. Because the personal consumption credit has many excellent characteristics, such as strong profitability, capital consumption is small; it causes the adjustment of the commercial bank management center of gravity to focus on the development of this business. At the same time, with the constant change of the financial market environment, all kinds of risk factors emerge in endlessly, which immeasurable influence on personal consumption credit business. Therefore, analysis of commercial bank individual consumer credit risk and put forward the necessary countermeasures have great importance. On the basis of analyzing the research status at home and abroad, this study firstly discusses the relevant theories and concepts; Then, it analyzes the current situation of personal consumption credit risk of commercial bank; Secondly, from two aspects of risk factors and risk causes to explore personal consumption credit risk faced by commercial Banks; Finally, it proposes three aspects of personal consumption cr