商业银行消费信贷的风险分析与对策思考
摘要：
随着近些年经济全球化发展趋势的日益明显，市场竞争压力越来越大。经济发展中银行是不可或缺的，不论日常生活，还是商业发展。可以说银行关系着社会稳定和国家经济建设。商业银行进入飞速发展阶段，银行想要持久发展下去必须做好风险管理，只有提高风险管理水平，才能增强竞争力。尤其消费信贷风险管理，虽然我国各大商业银行的消费信贷管理水平随着业务的发展普通增强，但由于消费信贷风险技术量化能力不匹配，消费信贷管理发展还是受到不同程度的抑制，导致综合消费信贷管理制度的发展出现偏差，消费信贷面临多重金融风险，商业银行必须明确风险类型，积极采取有效方法解决。
[关键词]： 信贷消费 商业银行 风险防范
目 录
前言 ····································································································································· 6
一、我国商业银行消费信贷风险概述············································································ 6
（一）、消费信贷 ·············································································································· 6
（二）、消费信贷风险········································································································ 6
1.信用风险··························································································································· 6
2.流动性风险······················································································································· 6
3.市场风险··························································································································· 7
二、商业银行消费信贷的风险分析················································································· 7
（一）、商业银行内部消费信贷的风险管理意识不足·················································· 7
（二）、商业银行风险量化的能力不足············································································· 7
（三）、内部机制不完善······································································································· 8
三、商业银行管理消费信贷风险的方法··········································································· 8
(一)、加强商业银行组织结构设计的科学性································································· 8
(二)、商业银行风险量化的能力不足·············································································· 9
1.完善贷款制度·················································································································· 9
2.健全担保抵押制度············································································································· 9
3.制定风险分散制度············································································································· 10
4.提升风险控制团队专业能力··························································································· 10
5.加强责任追究力度，严肃信贷纪律············································································· 10
(三）、构建消费信贷风险防范制度················································································· 11
四、 改进和完善商业银行消费信贷管理制度的科学思路········································· 11
(一)、强化法人制度，建立合理、科学的消费信贷管理体制 ······························· 11
、改进并完善风险管理的政策性建设······························································· 12
1.完善信用评级体系，提升信贷风险量化能力 ·························································· 12
2.严格审查客户消费信贷风险························································································· 12
3.采用加强信贷担保的审查，进行消费信贷风险的量化·············································· 12
五、 借鉴外国商业银行消费信贷管理的成功经验······················································ 12
(一)、风险评级与消费信贷管理齐进行 ··································································· 13
(二)、实行信贷限额管理以杜绝超额信贷的可能····················································· 13
(三)、采用先进的消费信贷管理的信息系统为决策提供真实、准确的依据·······13
(四)、重视不良资产的转化争取双赢·········································································· 13
六、 结束语························································································································ 13
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