商业银行个人消费信贷信用风险控制策略分析

Commercial Bank Consumer Credit Risk Control Strategy

个人信贷是指以自然人为服务对象,各类金融机构向自然人提供的、主要用于购买商品和服务的贷款,其还款来源主要为与借款无关的其他收入。经过多年的发展,个人信贷已经成为了商业银行另一个利润点。但是,随着业务的不断深入发展,其风险也在不断增加,甚至逐渐成为了个人信贷不断发展的瓶颈。在我国,人们的信用意识还相对较弱,银行的评估机制不完善,缺少完善的法律法规和先进的方法,使得商业银行的个人信贷风险不断增加。因此,如何降低个人信贷的风险,加强个人信贷风险的控制,已经成为行业内需要解决的重点问题。

Consumer credit refers to the loan provided by financial institutions to natural persons mainly for the purchase of goods and services,and repaid relying on the income unrelated to their borrowings. It increases both profits and risks of commercial banks. In China,consumer credit with risks is difficult to develop for lack of credit awareness,good assessment mechanism of banks and updated laws and regulations. Therefore,the focus of developing consumer credit lies on how to reduce the risk of consumer credit and strengthen credit risk control.