我国商业银行个人消费信贷业务中存在的问题及对策

我国商业银行个人消费信贷业务中存在的问题及对策(8000字)
    摘  要：长期以来，在金融机构贷款结构中，流动资金贷款一直占较大比重。近年来这种情况出现了逆转。个人消费信贷业务以其抵押落实可靠、资产质量好、不良率低等优势，成为各大商业银行推进的业务。然而，随着个人消费信贷资产的快速增长，其风险也开始逐步显现，引起了社会，监管部门和银行自身的关注。文章分析了商业银行个人消费信贷业务中存在的问题，并提出了解决这些问题的对策。
    关键词：商业银行；个人消费信贷业务；问题；对策

Problems and Solutions in Consumer Credit Business of Commercial Banks
Abstract: For a long time, the working capital loan has been a large proportion in the structure of loans by financial institutions. In recent years, this situation was reversed. As its implementation is reliable, good asset, low badness proportion, it becomes a business which promoted by commercial banks. However, with the rapid growth of personal credit assets, the risk began to appear, attracted the concerns of community, regulators and the banks themselves. This article analyses the problems in the consumer credit business of commercial banks, and put forward solutions to solve these problems.
Key words: Commercial banks; Consumer credit business; Problems; Solutions

目    录
摘要…………………………………………………………………………………………1
关键词………………………………………………………………………………………1
一、商业银行个人消费信贷业务概述……………………………………………………2
（一）商业银行个人消费信贷业务的概念……………………………………………2
（二）商业银行个人消费信贷业务的发展……………………………………………2
二、商业银行个人消费信贷业务中存在的问题…………………………………………3
（一）信用体系不完善…………………………………………………………………3
（二）管理机制不完善…………………………………………………………………4
（三）产品创新力度不大………………………………………………………………4
（四）相关法律不健全…………………………………………………………………5
三、解决商业银行个人消费信贷业务相关问题的对策…………………………………5
（一）加强贷前调查和审查并加强完善社会信用体系………………………………5
1.认真筛选客户，做好风险识别工作……………………………………………5
2.合理厘定贷款成数和期限，严格授信审批管理……………………………6
（二）理顺管理体制，防范业务风险…………………………………………………6
1.严格银行内部信贷管理机制…………………………………………………6
2.设置合理高效的个人消费信贷风险管理组织框架……………………………6
3.加强合作，做到市场营销与风险防控的有机结合……………………………6
4.进一步加强和改进服务，简化手续、提高效率、降低成本…………………6
（三）加大产品创新力度，提高市场竞争力…………………………………………7
（四）完善现有法律体系，使其更科学，操作更合理………………………………7
1.加快消费信用管理法律建设的步伐……………………………………………7
2.按成本收益的原则制定法律法规………………………………………………7
四、结束语…………………………………………………………………………………7
参考文献……………………………………………………………………………………7
致谢…………………………………………………………………………………………8