首页 | 本学科首页   官方微博 | 高级检索  
     检索      

中国个人消费信贷状况及风险防范研究
引用本文:杨大楷,俞艳.中国个人消费信贷状况及风险防范研究[J].金融论坛,2005,10(7):45-50.
作者姓名:杨大楷  俞艳
作者单位:上海财经大学
摘    要:随着个人信用消费的不断扩大,消费信贷的比重不断提高,在整个市场个人信用制度不完善的情况下,个人信贷风险凸现,银行个人信贷中的不良资产率上升。本文从中国消费信贷的总量状况出发,对于银行消费信贷内部结构展开探讨,继而分析消费信贷的客户风险、制度风险及法律政策风险,并以此为基础提出了建立个人信用管理制度、充分利用客户信用分析法、逐步试点个人破产制度、建立银行内控体系及风险转嫁渠道以及完善个人消费信贷的相关法律保障等防范措施。

关 键 词:消费信贷  风险控制  个人信用
文章编号:1009-9190(2005)7-0045-06

Individual Consumption Credit in China and Risk Aversion
Yang Dakai,Yu Yan.Individual Consumption Credit in China and Risk Aversion[J].Finance Forum,2005,10(7):45-50.
Authors:Yang Dakai  Yu Yan
Institution:Yang Dakai Yu Yan
Abstract:With increasing expansion of consumer loans and growing percentage of consumption credit in a market where individual credit system is yet to be improved,personal credit risks begin to loom large with the rise of non-performing asset ratios of personal bank loans.In this paper,the overall consumer credit situation in China is reviewed and internal structure of bank consumption credit is discussed.Then,customer risks in consumption credit,system risks and law and policy risks are analyzed.Finally,it is suggested as countermeasures against risks that a personal credit management system be put into place,personal bankruptcy law be gradually enacted by making full use of customer credit analysis,internal control/risk shifting channels and relevant legal guarantee aimed at improving personal consumption credit be established.
Keywords:consumption credit  risk control  individual credit  
本文献已被 CNKI 万方数据 等数据库收录!
设为首页 | 免责声明 | 关于勤云 | 加入收藏

Copyright©北京勤云科技发展有限公司  京ICP备09084417号