目录
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
