我国消费信贷的现状问题及对策论文.docVIP

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 co