论个人消费信贷业务的发展风险与政策控制

On Developmental Risk and Policy Control of the Individual Consumer Credit Business

金融危机席卷全球,一方面,需要控制个人消费信贷业务的发展风险,另一方面,又需要发展个人消费信贷业务来刺激内需拉动经济。个人消费信贷业务的快速发展,对提高居民消费水平,拉动经济发展具有重要作用。但由于政策法规不够完善,信用环境不够健全,宏观调控没有到位,金融监管存在缺陷,个人消费信贷业务也存在很大的风险。因此,政府要对个人消费信贷风险进行政策控制:完善个人消费信贷政策法规,健全个人消费信贷信用环境,加强个人消费信贷宏观调控,强化个人消费信贷金融监管。

With the financial crisis sweeping the globe, on the one hand, individual consumer credit business risks should be controlled. On the other hand, to stimulate domestic demand and economic development, the individual consumer credit business needs to develop. The rapid development of the individual consumer credit business plays an important role in improving the level of people＇ s consumption and promoting economic development. At the same time, because laws and policies are not perfect enough, the credit environment is not sound enough, macro-economic supervision and control are absent, and there are shortcomings in internal management, personal credit business has a lot of risks. Therefore, the measures of the basic risk control are to improve laws and policies of the individual consumer credit business, to establish sound personal credit environment, to promote the supervision and control of the credit, and to strengthen the internal management about the credit business.