个人信贷业务发展及风险防范问题研究

Research into the development and warding off risks about individual loans

个人消费贷款业务的风险,主要来自借款人的还款能力不足和借款人的还款意愿不足两大方面,严格的风险防范措施,应包括银行内部风险控制机制的建设和外部法律社会体制的配合以及风险转移体系的建设。

the main risks of individual consumer loans result from two factors： short of refund abihty with borrower, short of refund wills with borrower.A firm set of measurements in warding off risks should construct three systems： risk management system inside banks, social law system out side banks and risk transferring system.