我国商业银行消费信贷的管理现状毕业论文.doc

摘 要 消费信贷是一种超前消费，是金融创新的产物。二十世纪九十年代后国际国内银行业相继发生了一系列重大的操作风险事件，给商业银行带来了巨大资金损失的同时也在社会上造成了很大的负面影响。各家商业银行都将消费贷款作为业务发展新的重点。随着我国全面建设小康社会步伐的逐渐加快，人们的消费观念积极转变，消费水平不断提高，消费贷款规模的不断扩大，使得商业银行消费信贷业务在商业银行整个贷款业务中所占比重日益增大,但我国商业银行消费信贷管理研究尚处于探索阶段，商业银行消费信贷管理的薄弱、消费信贷的相关法律不健全等一系列问题使存在的问题和风险亦日趋严重,逐渐威胁到我国商业银行的发展。 因此，加强我国商业银行消费信贷管理研究，进一步完善消费信贷管理体系并使之有效运行己成为当务之急。以此为背景，本文从我国商业银行消费信贷管理的现状及存在的问题等方面产生的影响进行阐述，并进一步提出如何构建并完善我国消费信贷管理的体系这一问题的相关建议。 关键词：商业银行；消费信贷；信贷管理； Abstract Consumer credit is one kind of consumption, and is the product of financial innovation. After the 1990s domestic and international banking ensued a series of major operating risks incident to commercial Banks, brought huge capital losses in society at the same time also caused great negative impact. Families would consumer loans of commercial Banks as a business development new key .With the pace of the well-off society gradually, peoples consumption idea actively transform, consumption level unceasing enhancement, consumer loan expansion of commercial Banks, make consumer credit business in commercial Banks in the loan business by increasing the proportion of consumption, but our country commercial bank credit management research is still in the stage of exploration, commercial bank of weak consumer credit management of relevant laws, consumer credit to a series of problems that exist problems and risks are increasingly serious, gradually threat to the development of commercial Banks in China. Therefore, strengthening our country commercial bank credit management research, consumer credit management system, further perfect consumption and effective operation has become a top priority. For this background, this paper from our country commercial bank consumer credit management, the current situation and existing problems of the influence of the aspects, and puts forward how to construct and perfect our consumer credit management system, the problem of related Suggestions. Keywords: Commercial bank；Consumer credit；Credit management；