数字金融背景下商业银行消费贷款业务风险管理研究

Research on risk management of consumer loan business of commercial banks under the background of digital finance

对商业银行来说,数字金融下的经营模式转变是一项历久弥坚的工作,它不但是整个银行业务的重新调整,也是基层工作的数字化重构。对商业银行消费贷款来说,由于目前消费贷款产品不断丰富,客户结构更为多变,其所面临的风险问题也日益复杂。因此,如何在数字金融背景下加强银行消费贷款业务的管理,显得尤为重要。基于此,文章针对商业银行消费贷款及其风险管理进行了分析和探讨,以期为同行提供参考建议。

For commercial banks,the transformation of business model under digital finance is a long-lasting work,which is not only the readjustment of the whole banking business,but also the digital reconstruction of grass-roots work.For the consumer loans of commercial banks,as the current consumer loan products are constantly enriched,the customer structure is more changeable,and the risk problems they face are increasingly complex.Therefore,it is particularly important to strengthen the management of bank consumer loan business under the background of digital finance.Based on this,this aticle analyzes and discusses the consumer loans and their risk management of commercial banks,with a view to providing reference suggestions for peers.