基层商业银行消费信贷问题及对策.docxVIP

PAGE 14 摘 要 面对不断增长的全球经济环境和外国需求的沉重压力，增大内部需求来刺激人们消费已经成为我国经济复苏的重大要求。研究数据表明，消费信贷已经成为增大内需的重要推动力量。伴随着我国消费信贷市场的不断增长，房地产，学生贷款以及其他消费贷款等业务不断地推进。与发达国家相比，我国消费贷款业务起步较晚，市场机制还不完善。随着商业银行贷款的发展，许多问题和风险逐渐被发现。本文的主要研究目标是中国的商业消费信贷问题。调查影响消费者信用风险的关键因素，然后就如何适当保护消费者信用风险提供更明智的建议。 本文的研究内容始于中国消费信贷领域的广泛发展。首先，建立和规范与消费者信贷有关的概念和知识，然后分析中国商业银行的消费者信贷业务发展状况，并以实际数据为补充，对数据进行解释，并结合现实情况来管理消费者信贷风险。在中国进行进一步分析。此外，消费者信用管理中还有许多重要因素。因此，对于这些现存的问题提出了一些可行的提议和措施。 关键词：消费信贷；风险防范； 商业银行 Abstract Facing the growing global economic environment and heavy pressure from foreign demand, increasing internal demand to stimulate peoples consumption has become a major requirement for Chinas economic recovery. According to research data, consumer credit has become an important driving force for expanding domestic demand. As Chinas consumer credit market continues to grow, commercial banking businesses such as residential real estate, autos, student loans and other consumer goods loans have advanced by leaps and bounds. Compared with developed countries, Chinas consumer loan business started late and the market mechanism is not perfect.. With the development of commercial bank loans, many problems and risks have been gradually discovered. The main research goal of this article is the issue of commercial consumer credit in China. Investigate the key factors that affect consumer credit risk, and then provide more sensible advice on how to properly protect consumer credit risk. The research content of this article begins with the extensive development of Chinas consumer credit sector. First, establish and standardize the concepts and knowledge related to consumer credit, and then analyze the development status of consumer credit business of Chinas commercial banks, supplement with actual data, interpret the data, and manage consumer credit risk based on the actual situation . Further analysis in China. In addition, there are many important factors in consumer credit management. Finally, some measures and measures are suitable for