我国商业银行个人消费信贷风险防控初探

Preliminary exploration of China's commercial banks consumer credit risk control

随着我国经济的发展和人民收入的不断提高,商业银行的个人消费信贷业务发展非常迅速,在促进消费、扩大内需以及提高人民生活水平等方面发挥了重要的作用。然而,个人消费贷款产生的风险也随之产生。文章试通过分析我国个人消费信贷的现状,分析个人消费信贷风险的产生原因,并试求探讨防范个人消费信贷风险的方法及对策。

With China＇s economic development and the continuous improvement of people＇s income,Personal credit business of commercial banks develop very quickly,in terms of promoting consumption, expanding domestic demand and improving people＇s living standards have played an important role. However, the risks from personal consumption credit also produce.This article try to analyse the causes of risk personal consumption credit by analysing the current situation of personal consumption credit. And try to seek the methods and countermeasures for preventing the risk of personal consumption credit.