商业银行个人消费信贷问题研究.docVIP

我国商业银行个人消费信贷问题研究Along with our country economy the deepening of the reform of the rural residents, the consumption of enthusiasm continue to warm up, and individual consumer credit business obtained by leaps and bounds development, with the business accounts for the expansion of the proportion of the bank business, existing problems and risk also gradually exposed. Personal consumption credit risk mainly comes from the borrowers ability to repay and personal credit risk, also is a personal income range and moral cultivation level, including personal credit conditions and the whole society is closely related to the credit environment. So when the personal moral landslide, individual consumer credit is the existence of a risk; From the Banks themselves to see, the domestic commercial Banks while continuously strengthen the construction of system, but the whole management level still is not high, difficult to jump out a put it, a catch a dead of the vicious circle, this is our country commercial bank individual consumer credit facing a major problem; The legislation, our country does not have a uniform standard consumer credit activities and adjustment of the relationship between consumer credit national law. This leads to the bank of China in the face of personal consumption credit market, often can choose the type of horse race circle development, the lack of long-term regularity. In recent years, to expand the profit level, seizes the market share, all the commercial Banks are encouraged to develop personal branch consumer credit business. In the concrete implementation process, there were many violate compasses operation phenomenon, some commercial Banks in order to expand the scale of consumer credit, to basic level line loans issued rigid index. This paper is based on the above logic basis points, to consumer credit business and the analysis of existing problems and in the light of these problems put forward the corresponding risk prevention countermeasures. KEYW