论我国商业银行个人贷款业务的风险及管理对策

On Risk and Management Strategy of Personal Loans Service in China's Commercial Banks

现阶段,随着商业银行面临的风险日益复杂,个人贷款存在的问题也日益突出。主要是:缺乏对风险管理的认识和识别体系,风险识别能力较低,尚未采用风险度量与管理的先进技术。同时,立法工作滞后,管理不到位,管理效率低。应采取有效措施进行风险管理与控制,引进西方银行风险管理经验,扩大商业银行业务范围与实现分散化经营,在政府主导下创立统一完善的个人信用制度,从而强化相关风险的规避,促进个贷业务健康快速地成长。

Currently, the problems on personal loans are increasingly severe with complicated risks of commercial banks, which are lack of recognition on risk management and recognition system, low ability to recognize risks, and short of advanced technique on risk measurement and management, in addition, backwardness in legislation and low efficiency in management. Correspondingly, the commercial banks should effectively take risk management and control, introduce risk management experience of western banks, expand business range, and realize decentralized operation. Moreover, guided by government, they need create perfect personal credibility system, avoid relevant risks, and promote healthy development of personal loans business.