T银行个人消费信贷风险分析

Risk Analysis of Personal Consumption Credit of Bank T

改革开放以来,我国经济水平快速发展,银行间互相竞争加剧,使得我国的银行业务也跟随客户变换发生了转变,各大银行都加大了对个人消费信贷的投入力度。个人消费信贷业务的快速发展,不但满足了人们的消费需求,也带动了我国的消费内需,促进我国经济的发展。以T银行为研究对象,结合T银行在实际运营中的情况,将消费信贷相关理论与之实际相结合进行研究工作,以期能够对T银行消费信贷业务中的风险进行研究。

Since the reform and opening up,with the rapid development of China's economic level,people's consumption level and consumption concept have changed dramatically,from the previous preference of saving to the current ahead of consumption.At the same time,the competition between banks is intensified,which makes the banking business in China also change with the change of customers.All major banks have increased their investment in personal consumption credit.The rapid development of personal consumption credit business not only meets people's consumption demand,but also drives domestic consumption demand and promotes the development of China's economy.T bank is taken as the research object,combined with the actual operation of T Bank,the theory of consumer credit is combined with the actual research work,in order to be able to study the risk in the consumer credit business of T Bank.