简单介绍商业银行个人消费信贷风险的种类以及具体的防范方法.docxVIP

商业银行个人消费信贷业务风险及其防范摘要：当前阶段，个人消费信贷已经发展成为商业银行的重要业务。然而，有鉴于我国在相关法律、个人资信系统等方面的不足，也就有可能存在各种风险。有鉴于此，本文在对相关文献进行梳理的基础之上，采取理论联系实际的方法，从个人消费信贷的种类和规模来分析我国商业银行个人消费信贷的发展状况，并具体分析了现存的借款人风险、法律风险、信用风险、抵押物风险和流动性风险，在此基础之上，从完善相关政策法规、构建完善化信息管理系统、建立完整的个人重要公开信息数据库、健全商业银行内部信贷管理机制角度出发提出商业银行防范个人消费信贷风险的建议。关键词：商业银行 个人消费信贷 风险防范Abstract: At present, personal consumption credit, as a new type of financial product, has become an important business of commercial banks. However, with the continuous expansion of the type and scale of personal consumer credit, in view of the lack of relevant laws and personal credit systems in our country, there may be legal risks, credit risks, mortgage risks and liquidity risks, which endanger the normal operation and operation of commercial banks. Development。 From this perspective, we need to strengthen the risk prevention of personal credit business. In view of this, on the basis of combing the related literature, this paper analyzes the development status of personal consumption credit in Chinas commercial banks from the type and scale of personal consumption credit, and analyzes the existing borrowers risk, law risk, credit risk and mortgage risk. And on the basis of the liquidity risk, from the improvement of relevant policies and regulations, the construction of a perfect information management system, the establishment of a complete database of important public information, and the improvement of the internal credit management mechanism of commercial banks, this paper puts forward some suggestions for commercial banks to prevent the risk of personal consumption credit.Key words: commercial banks personal consumption credit risk prevention.一、绪论（一）研究背景当前阶段，我国经济发展的一个突出特点就是商业银行消费信贷的迅猛发展，尤其是面临着持续加大的经济下行压力和国内总需求的增长不足，通过大力推广消费信贷业务有助于促进消费的增长。在与日本、韩国等海外市场的消费情况进行对比可以发现，我国在2015年之后表现出了极为惊人的消费需求和消费热潮，受益于互联网金融的蓬勃发展，此种消费热潮得以进一步释放。根据国家统计局和银监会发布的数据可以知道，我国在2017年的全部金融机构人民币存款余额打到了164.1万亿，各金融机构个人中长期消费贷款余额为24.7万亿，个人短期消费贷款余额68041亿元，消费信贷在商业银行各项业务中所占比重约为25%，但较之于发达国家的60%这一比重来说，我国的商业