基于客户经理视角下的个人贷款风险防范

Risk Prevention of Personal Loans Based on the Perspective of Customer Manager

随着我国市场经济体制的不断完善与发展、经济社会的消费结构优化与水平提升、金融体制改革步伐的不断加快与外资银行的全面介入,住房金融、汽车金融与经营活动金融各种形态的个人贷款业务日益成为商业银行新的利润增长点。随着个人贷款业务的发展和深入,风险也会随之增加,然而只有风险可控条件下的发展才是可持续的。论文以客户经理的视角,探讨对个人贷款的风险识别及其防范问题的分析。

With the constant improvement of China＇s market economic system, the optimization ofconsumption structure and promotion of economy and society, and the accelerating pace of financial system reform and the overall involvement of foreign banks, the individual loan business, such as housing finance, automobile finance and operation finance, has increasingly become a new profit growth point for commercial banks, With the development and deepening of personal loan business, the risk will also increase, but only under the condition of risk controllable development is sustainable. From the perspective of customer manager, this paper discusses the risk identification and prevention of personal loans.