我国商业银行个人消费信贷风险与防范.docxVIP

PAGE 16 学号：201514440221  毕业论文 GRADUATETHESIS 论文题目：我国商业银行个人消费信贷风险与防范 学生姓名：乔一丹 专业班级：15金融6班 学 院： 经济学院 指导教师：郑艳丽 讲师 2019年6月4日 目录 目录 PAGE 17 摘要 PAGE I 摘 要 当今时代，银行与个人之间的关系不再局限于传统的单向融资。人们的消费观念也发生了变化，不再是传统的“量入为出”，利用商业银行个人消费信贷来改善生活质量，成为重要的选择。经过20多年的探索，个人消费信贷取得了较好的发展。然而，随着个人消费贷款规模的不断扩大,我们也必须要面对它所带来的风险。本文分为五章：第一章，介绍选题背景和选题意义，通过文献综述来对比国内外研究现状，客观地分析了本文的创新与不足；第二章，概述与个人消费信贷相关的理论；第三章，分析我国商业银行个人消费信贷的风险状况；第四章为防范个人消费信贷风险提出了相关的政策建议；第五章，根据全文论述，得出结论。 关键词：商业银行；个人消费；信贷风险 Abstract Abstract Today, the relationship between banks and individuals is no longer limited to traditional one-way financing. Peoples consumption concepts have undergone great changes. The concept of consumption is no longer “adjust one’s expense to one’s income”, and using commercial bank loans to enjoy high-quality life in advance has become an important choice for people. During the past 20 years, the personal consumption credit has gotten good achievement. But as the scale of personal consumption loans continues to expand, we have to face the risks it poses. The article consists of five parts: The first part presents the background and significance of the topic ,as well as comparing the research status at home and abroad in terms of literature review. Besides, the first part also objectively analyzes the innovation and deficiency of this paper The second chapter summarizes the theories related to personal consumption credit; The third part consists of the main risks of personal consumption credit from a practical point of view; The fourth part puts forward some relevant suggestions of preventing the risks of personal consumption credit of commercial banks from a practical point of view; The fifth part draws conclusions according to the full text of the discussion. Keywords: commercial bank; personal consumption; credit risk 目录 TOC \o 1-3 \h \z \u 摘 要 I Abstract II 第1章 绪论 1 1.1选题的背景和意义 1 1.1.1选题的背景 1 1.1.2选题的意义 1 1.2国内外研究现状 2 1.2.1国内研究现状 2 1.2.2国外研究现状 3 1.3研究思路与研究方法 4 1