金融學(xué)-我國(guó)商業(yè)銀行消費(fèi)信貸風(fēng)險(xiǎn)管理研究

我國(guó)商業(yè)銀行消費(fèi)信貸風(fēng)險(xiǎn)管理研究摘要：目前我國(guó)經(jīng)濟(jì)發(fā)展迅速，國(guó)民的生活水平也得到了較大提高，在這一背景下，銀行的消費(fèi)信貸業(yè)務(wù)也加快了發(fā)展，一方面給銀行帶來(lái)了巨大的經(jīng)濟(jì)利潤(rùn)，另一方面也暴露出有關(guān)消費(fèi)信貸的諸多問(wèn)題。本文首先對(duì)我國(guó)商業(yè)銀行消費(fèi)信貸的背景進(jìn)行介紹，接著闡述了消費(fèi)信貸風(fēng)險(xiǎn)的相關(guān)概念和分類，并對(duì)本國(guó)銀行的消費(fèi)信貸風(fēng)險(xiǎn)管理現(xiàn)狀展開分析，然后分析出我國(guó)商業(yè)銀行消費(fèi)信貸風(fēng)險(xiǎn)管理過(guò)程中面臨的問(wèn)題主要有：個(gè)人征信體系不完善、消費(fèi)信貸業(yè)務(wù)較為單一、我國(guó)對(duì)消費(fèi)信貸的法律與監(jiān)管體系存在漏洞、信貸人員經(jīng)驗(yàn)?zāi)芰Σ蛔?。最后，針?duì)這些問(wèn)題本文為我國(guó)商業(yè)銀行消費(fèi)信貸風(fēng)險(xiǎn)管理提供對(duì)策參考。關(guān)鍵詞：消費(fèi)信貸、消費(fèi)信貸風(fēng)險(xiǎn)、風(fēng)險(xiǎn)管理

ResearchontheriskmanagementofconsumercreditinChina'scommercialbanksAbstract:Atpresent,China'seconomyisdevelopingrapidlyandthepeople'slivingstandardhasalsobeengreatlyimproved.Underthisbackground,theconsumercreditbusinessofthebankshasalsoaccelerateditsdevelopment.Ontheonehand,ithasbroughthugeeconomicprofitstothebanks,ontheotherhandalsoexposedalotofproblemsaboutconsumercredit.ThispaperfirstintroducesthebackgroundofconsumercreditinChina'scommercialbanks,thenexpoundstherelatedconceptsandclassificationofconsumercreditrisk,andanalyzesthecurrentsituationofconsumercreditriskmanagementinChina'sbanks,thenitanalyzesthemainproblemsintheprocessofconsumercreditriskmanagementinChina'sCommercialBanks:Imperfectpersonalcreditreportingsystem,singleconsumercreditbusiness,loopholesinChina'slegalandregulatorysystemforconsumercredit,lackofexperienceandabilityofcreditpersonnel.Finally,inviewofthesequestionsthisarticleprovidesthecountermeasurereferenceforourCountryCommercialBankconsumptioncreditriskmanagement.Keywords:consumercredit,consumercreditrisk,riskmanagement目錄TOC\o"1-3"\h\u21610第1章緒論 致謝在校園的最后一個(gè)時(shí)期即將結(jié)束了，回顧在學(xué)校的點(diǎn)點(diǎn)滴滴，自己收獲了非常多的東西，真的非常感謝老師的教導(dǎo)，讓自己懂了許多知識(shí)，非常