商业银行个人信贷风险管理

个人信贷业务意义重大,不仅关系到居民生活水平提高,而且对促进消费、扩大内需、支持整个国民经济持续快速发展都有非常重要的作用。随着个人贷款规模的不断扩大,该项业务中存在的问题和风险也逐步暴露出来。文章通过剖析商业银行个人信贷业务的风险成因,结合国际经验,以先前风险管理的相关理论为基础,归纳和总结了当前管理中存在的问题,并提出了一些对策建议。

Personal credit business not only relates to improvement of residents＇ living standards,but also to consumption promotement and expansion of domestic demand. It also has a very important role in supporting for the whole the rapid economic development.With the constant expansion of personal loans,the problems existing in the business risks gradually exposed. Combined with international experience and based on the related theory of previously risk management,the paper analyzes the commercial Banks＇ personal credit risk causes,and summarizes the problems existing in current management,and puts forward some countermeasures.