论消费信贷

摘  要

金融是现代经济的核心，是国民经济的命脉，是经济发展的晴雨表，金融业不仅渗透到社会生活的各个领域，而且还是一个特殊的高风险行业。商业银行消费信贷业务在商业银行整个贷款业务中所占比重日益增大，使得商业银行利润不断提高，但商业银行消费信贷风险亦日趋严重，逐渐威胁到商业银行的发展，然而，目前商业银行消费信贷风险管理研究却尚处于探索阶段，尤其是我国银行商业化改革和消费信贷业务发展的时间还不长，在这方面的研究更为薄弱。

本文通过对信贷风险理论研究和商业银行消费信贷风险现状的调查，对我国商业银行消费信贷的现状、风险管理、风险表现、给商业银行带来的危害等进行了综合分析，力求找出商业银行消费信贷目前在风险管理中的薄弱环节，进而有针对性地采取措施，并结合风险管理理论和商业银行消费信贷发展的实际情况，提出了商业银行消费信贷风险识别、预防、分散、转移、回避等具体方法。结合我国商业银行消费信贷的现状，对商业银行消费信贷不良贷款提出了处置的对策和措施。为提高商业银行资产质量的整体水平，增强商业银行竟争力，维护国家金融安全提供了一定的理论依据。

关键词:消费信贷，风险管理，风险识别，风险防范

Abstract

Finance is the core of modern economy, the lifeblood of the national economy is a barometer of economic development, the financial industry not only permeated all areas of life, but also a special high-risk industries. Commercial banks commercial banks, consumer credit business in the proportion of the loan business and increasing the profits of commercial banks to make continuous improvement, but the commercial banks, consumer credit risk has become increasingly serious, posing a growing threat to the development of commercial banks, however, the current consumption of commercial banks Credit Risk Management is still at the exploratory stage, in particular the reform of China's banking business and consumer credit business development not a long time, research in this area is more weak.

This article through to the credit risk theory research and commercial Banks consumer credit risk, the investigation of Chinese commercial Banks consumer credit status, risk management and risk performance, the harm to commercial Banks such as conducted a comprehensive analysis, in order to ascertain commercial Banks consumer credit is currently in the risk management of the weak link, then pertinently take measures, and combined with risk management theory and commercial Banks consumer credit development of actual situation, proposed the commercial Banks consumer credit risk identification, prevention, decentralization, transfer, avoid such specific methods. According to China's commercial Banks consumer credit status, consumer credit to commercial Banks non-performing loans put forward disposal and given the countermeasures. In order to improve the commercial bank asset quality, enhance the overall competitive power, commercial Banks to safeguard national financial security provides certain theoretical basis.

Key  words : Consumer credit,Risk Management,Risk Identification,Risk prevention.

目录

摘  要 I

Abstract II

第1章 绪论 1

1.1^论文研究的背景及意义 1

1.2 国内外研究现状 2

1.2.1国外研究现状 2

1.2.2国内研究现状 3

第2章 相关理论论述 5

2.1信贷风险管理理论 5

2.2信用评级理论 6

第3章 我国商业银行消费信贷风险管理分析 9

3.1我国商业银行消费信贷发展基本情况 9

3.2我国商业银行消费信贷风险及产生的原因 10

3.2.1我国商业银行消费信贷风险现状 10

3.2.2我国商业银行消费信贷风险产生的原因 10

3.3我国商业银行消费信贷风险给商业银行带来的危害 12

3.4我国商业银行消费信贷风险管理现状 13

第4章 我国商业银行消费信贷风险管理对策 15

4.1我国商业银行消费信贷风险预防 15

4.2我国商业银行消费信贷风险转移 16

4.3我国商业银行消费信贷风险分散和回避 17

4.3.1我国商业银行消费信贷风险分散 17

4.3.2我国商业银行消费信贷风险回避 18

4.4我国商业银行消费信贷风险的处理 19

第5章 国际金融领域的新情况对我国商业银行消费信贷的影响 21

第6章 总结 22

参考文献 23

致谢 24