商业银行消费信贷业务存在的风险及其对策

Risks in the Consumer Credit Services of Commercial Banks and Countermeasures

消费信贷在我国具有广阔发展空间,对商业银行扩大业务范围,调整资产结构,增加收入具有重要意义。但由于受消费信贷自身特点的影响,资信状况难以准确评价,家庭财务收支缺乏有效监控等因素的制约,信用风险问题突出。为此,商业银行应通过建立信用评估机制,风险预警、监控、规避和转移机制等一系列有效防范措施来保障该项业务的健康发展。

There is a broad space for the development of consumer credit services in China, which are very important in commercial banks＇ expansion of business scope, adjustment of property structure and income increase. But because of the characteristics of consumer credit, it is difficult to evaluate the credit status and family income and expenditure lack effective monitoring, causing prominent credit risks. Therefore, commercial banks should establish a credit assessment system and such preventive measures as risk warning, monitoring, avoidance and transferring to guarantee the healthy development of this service.