商业银行消费信贷业务的风险与防范.pdf

商业银行个人消费信贷危险及其防范 摘 要： 在全球经济环境日益紧张，外部需求面临巨大压力的情况下，扩大内需和刺激消费已成为中国刺激 经济的重点之一。由于中国消费需求的增长，信贷需要也随之增长，房地产，汽车，学生贷款和其他 各种耐用消费品等贷款业务需求飙升。与西方相比，中国的贷款业务起步较晚，市场机制还不成熟 ，商业银行消费信贷业务的进展随之引起诸多矛盾和危险。本文立足于中国消费贷款业务进展背景 ，首先解释了中国商业银行消费贷款的概念和消费贷款业务的进展水平。随后，根据我国的现实状 况，分析了消费贷款危险治理存在的问题。最 ，针对这些存在的问题提出了一些现实的对策和实 施手段。 关键词 ：商业银行；消费信贷 ；市场经济 Commercial bank personal consumption credit risk and its prevention Abstract:In an increasingly strained global economic environment and under enormous pressure on external demand,expanding domestic demand and stimulating consumption has become one of the middle points of Chinas economic stimulus.As Chinas consumer credit market continues to expand,commercial Banks have seen their business,student loans and various other consumer durables.Compared to the west,lending in China started late and the market mechanism is not perfect,the development of consumer credit business of commercial Banks has gradually caused many problems and risks.On the basis of summarizing the development background of consumption loan business in China,this paper firstly analyzes the concept of consumption loan of Chinese commercial Banks and the development level of consumer loan business.Then,according to the actual situation of our country,this paper analyzes the problems existing in the risk management of consumer loans.Finally,some practical countermeasures and measures are put forward. Key word:commercial bank ；consumption credit ；market economy 第1 章 绪论 第1.1节 研究背景及意义 商业银行消费信贷是指商业银行为消费者提供贷款资金使用的一种形式。商业银行正在进 展消费金融：一方面，它们可以扩大内需，促进中国经济的进展；另一方面，有利于中国的商业银 行改良优化业务、资产结构，降低不良资产比例，减小金融危险，达成稳定经营的目标。中国公民 的储蓄率相对较高，居民过度自愿和倾向于挽救银行债务负担。消费信贷能促进银行和消费者之 间平衡的市场关系进展，扩大金融营业范围，是银行的一个重要收入来源。同时它有利于强化商 业银行的危险治理，提升运营效率和经营机制以及理念推广，这对商业银行信贷员提出了更高标 准的要求，也有助于提高处理