目 录
我国个人消费信贷风险的现状···············································4
个人消费信贷风险·······················································4
消费信贷中的现实风险······················································4
消费信贷的潜在风险························································5
我国个人消费信贷风险产生的原因···········································6
银行自身管理体制薄弱···················································6
个人消费信贷的相关法律不健全···········································6
个人信用制度不健全·····················································6
抵押物变现难度大、费用高、个人消费信贷业务的客户分散···················6
三、我国个人消费信贷风险的解决建议···········································7
建立完善的个人信用制度·················································7
建立健全消费信贷相关法律体系···········································7
完善银行内部信贷风险管理体系···········································8
参考文献·····································································9
内 容 摘 要
摘要： 面对人们日益增长的消费需求，商业银行推出个人消费信贷服务。但由于我国个人消费信贷业务发展时间短、速度快，并且人们信用意识薄弱，我国的个人信用制度没有完全建立，缺乏完善的法律体系及配套制度，使得个人消费信贷存在着很大的风险和隐患。本文通过分析我国个人消费信贷具有代表性的风险的成因，提出解决个人消费信贷风险的建议: 建立完善的个人信用制度；建立健全消费信贷相关法律体系；完善银行内部信贷风险管理体系等应成为防范信贷风险的基本思路。
关键字：个人消费信贷；分析；解决建议
