我国商业银行个人信贷业务风险分析

Personal credit business risks of China's commercial bank

以商业银行个人信贷业务的发展现状为切入点,分析了个人信贷业务面临风险的成因,采用定性的研究方法,在国外学者时政研究的基础上得出结论,提出了我国商业银行个人信贷业务所面临风险的相关防范政策,以期更好地引导商业银行个人信贷业务的健康发展。

Taking personal credit business of China＇s commercial bank as a starting point, this paper analyzed the cause of personal credit business risks. It drawed a conclusion on the basis of foreign scholars＇ research, and proposed countermeasures to prevent risk of personal credit business, hoping to better promote the healthy development of personal credit business of the commercial bank.