关于我国商业银行消费信贷业务发展的思考

我国商业银行消费信贷业务的风险包括信用风险、流动性风险、管理风险、政策风险。消费信贷业务发展存在从业人员整体素质不高,信用制度不健全,缺乏有效的担保制度,消费贷款手续繁琐、环节过多等问题。发展我国商业银行消费信贷业务应加强对从业人员的培训;不断完善个人信用制度和担保制度;简化贷款手续、减少审批环节;大力发展农村消费信贷。

The risk of consumer credit business of commercial banks in our country includes credit risk, liquidity risk, management risk, policy risk. The development of consumer credit business has some problems, such as the low quality of overall employees, the unsound credit system, the lack of effective guarantee system, the tedious procedures of consumer loans, too many links and so on. China should strengthen the training of practitioners; perfect personal credit system and guarantee system; simplify loan procedures, reduce the links in examination and approval; develop the rural consumer credit vigorously.