我国个人消费信贷风险分析与解决建议

内容摘要.............................................................5关键词...............................................................5

一、我国个人消费信贷的概述............................................6

个人消费信贷的特征.............................................6

增长速度快，规模不断扩张.......................................... .6

品种丰富，结构体系日趋完善.........................................6

地区之间发展不平衡，城乡差异较大.................................. .6

（二）个人消费信贷发展历程...........................................6

（三）个人消费信贷在国外发展情况.................................... .6

二、我国个人消费信贷风险的现状.......................................7

个人消费信贷风险...............................................8

1.借款人信用风险.....................................................8

2.信用风险.......................................................... 8

3.法律风险.......................................................... 8

4.抵押物风险........................................................ 9

5.流动性风险........................................................ 9

6.管理风险.......................................................... 9

消费信贷的潜在风险............................................10

1.利率风险..........................................................10

2.流动性风险........................................................10

三、我国个人消费信贷风险及成因......................................10

1.借款人信用风险因素分析............................................10

2.银行操作风险因素分析............................................. 11

3.合作方风险因素分析.......................................... .....11

4.保证风险因素分析............................................ .....12

5.市场风险因素分析.......................................... .. .....12

四、我国个人消费信贷风险应对策略................................... .13

（一）建立和完善人个信用制度和信用体系...............................13

（二）建立健全消费信贷相关法律体系...................................13

（三）建立有效的内控体系，实行浮动贷款利率...........................14

（四）采用科学的信用评分技术.........................................14（五）转变消费观念，提高信用意识.....................................15

结语............................................................... 16文献