我国商业银行个人消费信贷问题研究.docVIP

我国商业银行个人消费信贷问题研究 摘 要：随着我国经济改革地不断深化,城镇居民消费热情不断升温,个人消费信贷业务得到了突飞猛进地发展,随着该项业务所占银行业务比重地不断扩大,存在地问题和风险也逐渐暴露出来.个人消费信贷风险主要来自借款人地还款能力与个人信用风险,也即个人收入地波动幅度和道德品质修养水平,其中个人信用状况还与整个社会地信用环境密切相关.那么当个人地道德发生滑坡地时候,个人消费信贷就存在一种风险；从银行自身来看,国内商业银行虽然不断加强制度建设,但整体管理水平依然不高,难以跳出“一放就乱,一抓就死”地怪圈,这也是我国商业银行个人消费信贷面临地一个重大问题；在立法上,我国目前还没有一部统一规范消费信贷活动和调整消费信贷关系地全国性法律.这导致我国地银行在面对个人消费信贷市场时,往往会选择跑马圈地式地发展,缺乏长期地规范性.近年来,为扩大盈利水平,抢占市场份额,各家商业银行纷纷鼓励分支机构大力发展个人消费信贷业务.在具体实施过程中,出现了不少违规操作现象,一些商业银行为了扩大消费信贷规模,对基层行下达硬性地放贷指标.本文正是基于以上地逻辑基点,对消费信贷业务存在地问题进行分析,并针对这些问题提出相应地风险防范对策 . 关键词：商业银行；个人消费信贷；研究；对策 ABSRACT：Along with our country economy the deepening of the reform of the rural residents, the consumption of enthusiasm continue to warm up, and individual consumer credit business obtained by leaps and bounds development, with the business accounts for the expansion of the proportion of the bank business, existing problems and risk also gradually exposed. Personal consumption credit risk mainly comes from the borrowers ability to repay and personal credit risk, also is a personal income range and moral cultivation level, including personal credit conditions and the whole society is closely related to the credit environment. So when the personal moral landslide, individual consumer credit is the existence of a risk。 From the Banks themselves to see, the domestic commercial Banks while continuously strengthen the construction of system, but the whole management level still is not high, difficult to jump out a put it, a catch a dead of the vicious circle, this is our country commercial bank individual consumer credit facing a major problem。 The legislation, our country does not have a uniform standard consumer credit activities and adjustment of the relationship between consumer credit national law. This leads to the bank of China in the face of personal consumption credit market, often can choose the type of horse race circle development, the lack of long-term regularity. In recent years, to expand the profit level, seizes the market