商业银行个人消费信贷业务不良贷款现状、问题及对策研究毕业论文（设计）..doc

我国商业银行个人消费信贷业务 不良贷款现状、问题及对策研究 主商要个人消费信贷作为一种金融创新业务，在促进我W居民消费、推动 国家经济社会发展方面发挥了重要作用。但是，由于信用体系不完善、法律不健 全、银行内部控制不力等原因，我国个人消费信贷业务还是存在一些问题，导致 了部分商业银行个人信贷业务不良贷款率较高。基于这样的背景，笔者在本文对 我国商业银行个人消费信贷业务不良贷款发生的原因进行了分析，并根据发现的 原因，提出了加强诚信意识、完善法律体系、促进内部控制建设、促进银保产品 合作等建议，期望为我国商业银行个人信贷业务提供有益的参考。 关键词商业银行：个人信贷业务：不良贷款 The current situation，problem and countermeasure research about non-performingloans in Individual consumption credit in Chinese commercial bank Abstract Personal consumption credit is a kind of financial innovation in the business， playing an important role in promotion of consumption of our country dweller， driving national economy and social development. However，because the credit system is not perfect，the law is not perfect, the banks internal control is lack, individual consumption credit business in China still has some problems，led to bad loans in a partial commercial bank. Based on this background, in this article causes of non-performing loans on China’s personal consumption credit of commercial bank were analyzed，and according to the reason，put forward to strengthen the consciousness of honesty, perfect the legal system, promote the construction of internal control and the products of bank insurance cooperation，hoping providing a useful reference for credit business in our country commercial bank. Key words: Commercial Bank; credit business; non-performing loans; present situation; countermeasure 目录 TOC \o 1-5 \h \z 弓IW 2 HYPERLINK \l bookmark2 \o Current Document \h 一我国商业银行个人消费信贷不良贷款现状 3 HYPERLINK \l bookmark3 \o Current Document \h （一） 恶意欺诈行为时有发生 3 HYPERLINK \l bookmark4 \o Current Document \h （二） 个人信贷内控制度欠缺，操作手段落后 4 HYPERLINK \l bookmark5 \o Current Document \h （三） 个人信贷业务形成的债权不能得到保障 4 HYPERLINK \l bookmark6 \o Current Document \h （四） 有关法规不能得以贯彻落实 5 HYPERLINK \l bookmark7 \o Current Document \h 二我国商业银行个人消费信贷产生不良贷款的原因 5 HYPERLINK \l bookmark8 \o Current Document \h （一） 个人信用体系不健全 5 HYPERLINK \l bookmark9 \o Current Document \h （二） 个人消费信贷法律法规不完善，立法滞后 6 HYPERLI