PAGE14学校代码：10484学号：010817100429河南财经政法大学HENANUNIVERSITYOFFINANCEANDECONOMICS自学考试（金融管理专业）本科生论文论文题目：我国商业银行个人消费信贷业务的风险及其防范专业名称：金融管理专业工作单位：金融管理作者姓名：：陈柘宇联系方式：466100河南省周口市川汇区书香门第15136460858我国商业银行个人消费信贷业务的风险及其防范摘要在全球经济环境日益紧张，外部需求面临巨大压力的情况下，扩大内需和刺激消费已成为中国刺激经济的重点之一。由于中国消费需求的增长，信贷需要也随之增长，房地产，汽车，学生贷款和其他各种耐用消费品等贷款业务需求飙升。与西方相比，中国的贷款业务起步较晚，市场机制还不成熟，商业银行消费信贷业务的发展随之引起诸多矛盾和风险。本文立足于中国消费贷款业务发展背景，首先解释了中国商业银行消费贷款的概念和消费贷款业务的发展水平。随后，根据我国的现实状况，分析了消费贷款风险管理存在的问题。最后，针对这些存在的问题提出了一些现实的对策和实施手段。关键词：商业银行，消费信贷，市场经济CommercialbankpersonalconsumptioncreditriskanditspreventionABSTRACTInanincreasinglystrainedglobaleconomicenvironmentandunderenormouspressureonexternaldemand,expandingdomesticdemandandstimulatingconsumptionhasbecomeoneofthemiddlepointsofChina'seconomicstimulus.AsChina'sconsumercreditmarketcontinuestoexpand,commercialBankshaveseentheirbusiness,studentloansandvariousotherconsumerdurables.Comparedtothewest,lendinginChinastartedlateandthemarketmechanismisnotperfect,thedevelopmentofconsumercreditbusinessofcommercialBankshasgraduallycausedmanyproblemsandrisks.OnthebasisofsummarizingthedevelopmentbackgroundofconsumptionloanbusinessinChina,thispaperfirstlyanalyzestheconceptofconsumptionloanofChinesecommercialBanksandthedevelopmentlevelofconsumerloanbusiness.Then,accordingtotheactualsituationofourcountry,thispaperanalyzestheproblemsexistingintheriskmanagementofconsumerloans.Finally,somepracticalcountermeasuresandmeasuresareputforward.KEYWORDS：Commercialbank,Consumptioncredit,Marketeconomy-ii--PAGE1-目录TOC\o"1-3"\h\uHYPERLINK\l_Toc113131绪论PAGEREF_Toc113131HYPERLINK\l_Toc179901.1研究背景及意义PAGEREF_Toc179901HYPERLINK\l_Toc66021.2国内外研究综述PAGEREF_Toc66021HYPERLINK\l_Toc275642个人消费信贷概述PAGEREF_Toc275643HYPERLINK\l_Toc152752.1个人消费信贷的概念PAGEREF_Toc152753HYPERLINK\l_Toc148272.2个人消费信贷的种类及特征PAGEREF_Toc148273HYPERLINK\l_Toc304342.3个人消费信贷风险的内涵与外延PAGEREF_Toc304344HYPERLINK\l_Toc208732.3.1个人消费信贷风险的内涵PAG