論消費信貸

摘  要

金融是現代經濟的核心，是國民經濟的命脈，是經濟發展的晴雨表，金融業不僅滲透到社會生活的各個領域，而且還是一個特殊的高風險行業。商業銀行消費信貸業務在商業銀行整個貸款業務中所占比重日益增大，使得商業銀行利潤不斷提高，但商業銀行消費信貸風險亦日趨嚴重，逐漸威脅到商業銀行的發展，然而，目前商業銀行消費信貸風險管理研究卻尚處于探索階段，尤其是我國銀行商業化改革和消費信貸業務發展的時間還不長，在這方面的研究更為薄弱。

本文通過對信貸風險理論研究和商業銀行消費信貸風險現狀的調查，對我國商業銀行消費信貸的現狀、風險管理、風險表現、給商業銀行帶來的危害等進行了綜合分析，力求找出商業銀行消費信貸目前在風險管理中的薄弱環節，進而有針對性地采取措施，并結合風險管理理論和商業銀行消費信貸發展的實際情況，提出了商業銀行消費信貸風險識別、預防、分散、轉移、回避等具體方法。結合我國商業銀行消費信貸的現狀，對商業銀行消費信貸不良貸款提出了處置的對策和措施。為提高商業銀行資產質量的整體水平，增強商業銀行竟爭力，維護國家金融安全提供了一定的理論依據。

關鍵詞:消費信貸，風險管理，風險識別，風險防范

Abstract

Finance is the core of modern economy, the lifeblood of the national economy is a barometer of economic development, the financial industry not only permeated all areas of life, but also a special high-risk industries. Commercial banks commercial banks, consumer credit business in the proportion of the loan business and increasing the profits of commercial banks to make continuous improvement, but the commercial banks, consumer credit risk has become increasingly serious, posing a growing threat to the development of commercial banks, however, the current consumption of commercial banks Credit Risk Management is still at the exploratory stage, in particular the reform of China's banking business and consumer credit business development not a long time, research in this area is more weak.

This article through to the credit risk theory research and commercial Banks consumer credit risk, the investigation of Chinese commercial Banks consumer credit status, risk management and risk performance, the harm to commercial Banks such as conducted a comprehensive analysis, in order to ascertain commercial Banks consumer credit is currently in the risk management of the weak link, then pertinently take measures, and combined with risk management theory and commercial Banks consumer credit development of actual situation, proposed the commercial Banks consumer credit risk identification, prevention, decentralization, transfer, avoid such specific methods. According to China's commercial Banks consumer credit status, consumer credit to commercial Banks non-performing loans put forward disposal and given the countermeasures. In order to improve the commercial bank asset quality, enhance the overall competitive power, commercial Banks to safeguard national financial security provides certain theoretical basis.

Key  words : Consumer credit,Risk Management,Risk Identification,Risk prevention.

目錄

摘  要I

AbstractII

第1章 緒論1

1.1論文研究的背景及意義1

1.2 國內外研究現狀2

1.2.1國外研究現狀2

1.2.2國內研究現狀3

第2章 相關理論論述5

2.1信貸風險管理理論5

2.2信用評級理論6

第3章 我國商業銀行消費信貸風險管理分析9

3.1我國商業銀行消費信貸發展基本情況9

3.2我國商業銀行消費信貸風險及產生的原因10

3.2.1我國商業銀行消費信貸風險現狀10

3.2.2我國商業銀行消費信貸風險產生的原因10

3.3我國商業銀行消費信貸風險給商業銀行帶來的危害12

3.4我國商業銀行消費信貸風險管理現狀13

第4章 我國商業銀行消費信貸風險管理對策15

4.1我國商業銀行消費信貸風險預防15

4.2我國商業銀行消費信貸風險轉移16

4.3我國商業銀行消費信貸風險分散和回避17

4.3.1我國商業銀行消費信貸風險分散17

4.3.2我國商業銀行消費信貸風險回避18

4.4我國商業銀行消費信貸風險的處理19

第5章 國際金融領域的新情況對我國商業銀行消費信貸的影響21

第6章 總結22

參考文獻23

致謝24