我国消费信贷的现状问题及对策cafcdzdc.doc

我国消费信贷的现状问题及对策 摘 要:随着我国宏观经济的快速发展，居民的收入水平和消费能力也不断提高，商业银行个人消费信贷业务也随之蓬勃发展起来。但在我国个人消费信贷市场不断扩张的同时，个人消费信贷存在的风险和漏洞也不断显现，这些风险如果不加以重视，则会阻碍我国商业银行个人消费信贷业务的进一步发展，本文通过对我国目前商业银行个人消费信贷业务的现状进行分析导出这一业务在发展中存在的风险，并有针对性的提出了实际对策和方法。 关键词:商业银行; 个人消费信贷; 风险; 对策 The status quo of Chinas consumer credit problems and countermeasures Abstract:With the rapid development of Chinas macro-economic, income level and consumption capacity of residents continue to improve, the consumer credit business of commercial banks also will be booming. But while credit markets continue to expand in Chinas personal consumption, personal consumer credit risks and vulnerabilities constantly emerging, these risks if you do not attach importance to, it will hinder the further development of the consumer credit business of commercial banks in China, the paper of Chinas current analysis of the status of the individual consumer credit business of commercial banks export this risk business development, and proposed practical strategies and methods. Keywords: commercial banks; personal consumer credit; risk; countermeasures 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc352914744 一、 绪 论 PAGEREF _Toc352914744 \h 4 HYPERLINK \l _Toc352914745 二、 我国个人消费信贷的发展状况 PAGEREF _Toc352914745 \h 5 HYPERLINK \l _Toc352914746 三、 我国个人消费信贷的主要特征 PAGEREF _Toc352914746 \h 7 HYPERLINK \l _Toc352914747 （一）个人住房消费贷款是我国个人消费信贷的主体 PAGEREF _Toc352914747 \h 7 HYPERLINK \l _Toc352914748 （二）汽车消费信贷市场起伏较大 PAGEREF _Toc352914748 \h 8 HYPERLINK \l _Toc352914749 （三）个人信用卡消费贷款成为个人消费信贷新亮点 PAGEREF _Toc352914749 \h 8 HYPERLINK \l _Toc352914750 四、 我国个人消费信贷发展中存在的主要问题及风险 PAGEREF _Toc352914750 \h 9 HYPERLINK \l _Toc352914751 （一）全社会个人信用征信体系缺位 PAGEREF _Toc352914751 \h 9 HYPERLINK \l _Toc352914752 （二）缺乏科学的贷款决策模式和决策标准 PAGEREF _Toc352914752 \h 9 HYPERLINK \l _Toc352914753 （三）风险管理相对薄弱 PAGEREF _Toc352914753 \h 10 HYPERLINK \l _Toc352914754 （四）有效金融工具缺乏致使银行流动性风险增加 PAGEREF _Toc352914754 \h 10 HYPERLINK \l _Toc352914755 （五）信用风险 PAGEREF _Toc352914755 \h 11