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| 商业银行个人消费信贷风险及其措施——以交通银行为例 【摘要】: 个人消费信贷是商业银行获取盈利的重要渠道。随着当前我国国民经济的迅速增长、人民整体 生活水平的稳步提高，个人消费信贷业务逐步成为当前各个商业银行信贷业务最 新利润增长点。但是，随着个人消费信贷业务的不断扩大，商业银行个人消费信贷业务的风 险也越来越大，本文对商业银行的个人消费信贷业务风险进行阐述，从立法、银行行为和征信三个角度分析个人消费信贷业务风险的成 因并提出相关的防范措施建议，希望本文能够为商业银行信贷业务的健康发展以及个人消费信贷风险问题的规避提供帮助。 【关键词】：商业银行 ；个人消费信贷 ；风险管理 ；改进方案 Personal credit risk of commercial bank and it measures ——bank of communication for example Abstract: Personal consumer credit is an important channel for commercial banks to obtain profits.With the rapid growth of China's national economy and the steady improvement of people's overall living standard, the personal consumer credit business has gradually become the most new profit growth point of the credit business of various commercial banks. But with the enlargement of personal consumption credit business,the commercial bank individual consumer credit business risks andalso more and more big, in this paper,the risk of personal consumer credit business of commercial Banks, from the Angle of legislation, bank and credit reporting three behavior analysis of the risk of personal consumer credit business into and puts forward relevant preventive measures suggested, hope this article can for the healthy development of the commercial bank credit business and personal consumption credit risk problem of aversion to offer help. Key words : Commercial bank; Consumer credit; Risk management; The improved scheme |
