我国个人消费信贷风险分析与解决建议

我国个人消费信贷风险的现状···············································4

个人消费信贷风险·······················································4

消费信贷中的现实风险······················································4

消费信贷的潜在风险························································5

我国个人消费信贷风险产生的原因···········································6

银行自身管理体制薄弱···················································6

个人消费信贷的相关法律不健全···········································6

个人信用制度不健全·····················································6

抵押物变现难度大、费用高、个人消费信贷业务的客户分散···················6

三、我国个人消费信贷风险的解决建议···········································7

建立完善的个人信用制度·················································7

建立健全消费信贷相关法律体系···········································7

完善银行内部信贷风险管理体系···········································8

参考文献·····································································9

内 容 摘 要

摘要： 面对人们日益增长的消费需求，商业银行推出个人消费信贷服务。但由于我国个人消费信贷业务发展时间短、速度快，并且人们信用意识薄弱，我国的个人信用制度没有完全建立，缺乏完善的法律体系及配套制度，使得个人消费信贷存在着很大的风险和隐患。本文通过分析我国个人消费信贷具有代表性的风险的成因，提出解决个人消费信贷风险的建议: 建立完善的个人信用制度；建立健全消费信贷相关法律体系；完善银行内部信贷风险管理体系等应成为防范信贷风险的基本思路。

 关键字：个人消费信贷；分析；解决建议