我国商业银行消费信贷的风险分析与对策研究毕业论文.doc

中文摘要 消费信贷是指银行或其他金融机构采取信用、抵押、质押担保或保证方式，以商品型货币形式向个人消费者提供的信用。金融创新中国金融国际化 ABSTRACT Consumer credit is a kind of credit that the bank or other financial provide for institutions individual consumers in the way of commodity money by taking credit, mortgage, pledge or promise. It is the product of financial innovation and one of the important measures of a series of comprehensive reform, which state-owned commercial banks adapt to the establishment and consummation of Chinas socialist market economy system, the reform of financial system and the financial internationalization development trend. At present, the development of the individual consumer credit can stimulate the demand of customers and have the decisive effect on driving economic growth. This paper is based on the present situation of our country consumer credit firstly and analyzes the risk types and performance. And then, it makes a deep analysis of our country commercial bank consumer credit risk from many aspects of personal credit registry system, fixed interest rate, legal mechanism, self management of bank, overheating of the economic and so on, and is based on risk management theory of consumer credit of commercial banks so as to get the reason that consumer credit of our country commercial bank leads to risk. Finally, we can put forward some suggestions about risk management of our country commercial bank consumer credit from micro and macro policy on the basis of the study. Key words: Commercial banks; Consumer credit; Risk prevention目 录 一、引言……………………………………………………………………2 二、我国商业银行消费信贷的现状分析……………………………2 一多元化的消费信贷体系…………………………………………………2 二增长速度快，规模不断扩张……………………………………………2 三地区之间发展不平衡，城乡差距较大…………………………………3 三、我国商业银行消费信贷存在的风险分析 ……………………3 一信用风险…………………………………………………………………3 二市场风险…………………………………………………………………3 三操作风险…………………………………………………………………4 四流动性风险………………………………………………………………5 四、我国商业银行消费信贷风险的原因分析 ……………………5 一个人征信系统不完善……………………………………………………5 二固定利率导致利率风险和违约风险……………………………………6 三法律机制不完善和银行自我风险管理薄弱……………………………6 四经济过热发展对商业银行流动性产生影响…………………