摘要
2007年末美国次级债危机警示,商业银行应进一步加强个人消费信贷产品的风险控制,做到既要完成金融机构业务指标又能控制个人不良信用带来的坏账风险.通过对目前国内存在的个人消费信贷现状进行分析,设计并实现了信用卡及信用消费贷款的风险监控及防范系统,在IT层面为银行信贷业务的健康发展提供了支持.
From the sub--prime lending crisis in the end of year 2007, we can see that commercial banks should do more to control the risk of personal consumer credit products while chasing the high profit. This article analyzes the current domestic situation of personal consumer credit and shows how to design and set up an IT system to support commercial banks to monitor and prevent the risk of consumer credit products including credit card.
出处
《兰州工业高等专科学校学报》
2009年第1期1-5,共5页
Journal of Lanzhou Higher Polytechnical College
关键词
消费信贷
风险监控
风险防范
consumption credit
risk monitoring
risk control
