我国个人消费信贷风险分析与解决建议

内 容 摘 要

近年，随着我国经济的快速发展和人们的生活水平不断改善，极大地提高了居民的个人的消费水平，城乡居民的消费理念以及消费方式也随之发生了很大的改变。人们利用银行的贷款方式可以提前享受更好地生活品质，随着个人消费信用的不断提升，居民对消费信贷的需求也逐年增加，消费信贷的比重不断扩大。但在整个社会市场的背景下，我国信贷发展仍处于初级阶段，个人信贷的风险性及其突出。为此，要建立一个完善的风险防范体系。

[关键词]：个人信贷   信用风险   防范体系

目       录

内容摘要··················································1

引    言··················································3

1、我国个人消费信贷风险的现状·····························3

1.1、消费信贷增速趋缓·····································3

1.2、消费信贷结构不尽合理·································3

1.3、地区和人群分布不均衡·································3

2、我国个人消费信贷信用风险的分析·························4

2.1、借款人风险···········································4

2.2、信用风险·············································4

2.3、法律风险·············································4

2.4、抵押物风险···········································5

2.5、流动性风险···········································5

2.6、市场风险·············································5

3、我国个人消费信贷风险产生的原因·························5

3.1、银行自身管理薄弱·····································5

3.2、个人信用体系不健全···································5

3.3、风险防范法规体系不完善·······························5

3.4、利率尚未市场化·······································6

3.5、信用评分技术落后·····································6

4、我国个人消费信贷风险的解决建议·························6

4.1、建立和完善个人信用制度和信用体系·····················6

4.2、建立健全消费信贷相关法律体系·························6

4.3、建立有效的内控体系，实行浮动贷款利率·················7

4.4、采用科学的信用评分技术·······························7

4.5、转变消费观念，提高信用意识···························7

4.6、建立健全法律体系·····································7

5、总结···················································7