试论商业银行消费信贷的风险与管控措施

Discuss the Merchant Banks Consumer Credit Risk and Control Measures

商业银行消费信贷所面临的风险主要是由商业银行自身、贷款人和外部环境造成的。营造良好法律环境、完善个人信用体系和强化担保与保险措施,才能为商业银行构建有利的消费信贷风险管理外部环境;加强银行内部管控,通过对消费信贷申请进行科学合理的评估,建立商业银行内部消费信贷的风险管理体系,合理安排担保方式及利率情况,加强风险的分散管理,开发重点客户群体等措施,才能促使商业银行降低消费信贷的风险。

The risk of consumer credit is mainly eansed by the eommereial banks, the lender and the external environment. To create a good legal environment, improve the personal credit system and strengthen the guarantee and insurance measures, in order to build consumer credit risk management of commercial banks favorable external environment; strengthen bank internal control, evaluate the application of eansumer credit, the establishment of internal eonsnmptlon credit of commercial bank risk management system, reasonable arrangements for the security and interest rate decentralized management, strengthen risk, developing key customer groups and other measures, to encourage commercial banks to reduee the risk of consumer credit.