我国商业银行消费信贷风险管理研究

随着消费信贷规模的不断扩大，消费信贷风险逐渐暴露出来，已严重阻碍了消费借贷的健康发展。消费信贷风险产生的主要原因是：个人征信系统不完善，房价和车价的下降致使部分消费者“断供”，商业银行贷款管理方面存在漏洞和瑕疵，抵押物变现困难，消费贷款市场竞争不规范，消费信贷风险防范法规体系不完善等。为促进我国消费信贷业务的健康、快速发展，应进一步完善个人信用征信系统，建立个人信用评价体系，建立科学的消费信贷评价模型，逐步完善与消费信贷相关的法律体系、商业银行组织机构和业务流程以及消费贷款担保制度。

Study on Commercial Banks in Chinas Consumer Credit Risk Management

With the expanded scale of consumer credit, consumer credit risk gradually exposed. This has seriously hindered the healthy development of consumer credit. The main reasons for credit risk arising from consumption are inadequate personal credit information system, and the price decline in housing prices and motor prices led to some consumers ＂default＂ , leaks and flaws in the management of commercial bank lending, difficulties in collateral liquidity, irregular market competition in the consumer loan market, imperfect legal risk - preventing systems for consumer credit, etc. For the promotion of a healthy and rapid development in China＇s consumer credit business, it＇ s necessary to further improve the personal credit system, establishing a personal credit rating system and the scientific evaluation of consumer credit models, gradually improving legal system related to consumer credit, organizational structure for commercial banks and business procedures, consumer loan guarantee system as well.