我国商业银行个人信贷业务的发展与风险.pdf

我国商业银行个人信贷业务的发展与风险 摘要 我国商业银行的信贷业务呈现了快速发展的势头，贷款余额不断上升， 人信贷业务作为信贷业务的重要的组成部分发展更加迅速，已经进入了发展的 高速成长期。当前世界各国银行业之间的竞争越来越激烈，国外各银行纷纷在 进行着银行业务的战略调整。个人信贷业务由于其独有的特性，资本消耗低、 利润空间大，越来越受到银行的关注。加强商业银行个人信贷风险管理研究具 有重要的意义。 本文第一章讲的是选题背景与意义；第二章讲的是我国商业银行个人信 贷相关理论分析；第三章讲的是我国商业银行个人消费信贷业务的发展现状； 第四章讲的是我国商业银行个人信贷业务中存在的问题；第五章讲的是控制 人信用风险发展我国商业银行个人信贷业务的对策建议，最后讲的是结论部 分。 关键词：商业银行；个人信贷；风险管理 ABSTRACT Our Country Commercial Bank Credit Business Has Been Rapid Bevelopment Momentum, Rising loans, Personal Credit Business Credit Business as Part Of an Important Development More Rapidly, Has Entered a Period Of Rapid Growth and Development. At Present, The Competition Between Banks in The World is Becoming More, and Foreign Banks are Carrying Out The Strategic Adjustment Of Banking Business. Personal Credit Business Has Attracted More and More Attention From Banks Because of Its Unique Characteristics, Low Capital Consumption and Large Profit Margins. Retail Sales Have Become The Basic Trend of The Structural Adjustment Of Personal Credit Business. It is Of Great Practical Significance to Strengthen The Study Of Individual Credit Risk Management Of Commercial Banks. The First Chapter Is About The Bercial Bank Personal Credit Related Theory;The Third Chapter is About The Current Situation Of The Development Of Personal Consumer Credit Business Of Commercial Banks in China; The Fourth Chapter is About The Personal Credit Business Of Commercial Banks in China;The Fifth ChapterThe Suggestions to The Development Of Personal Credit Business Of Chinas Commercial Bank Personal Credit Risk Control, The Last Part is The Conclusion. Key Words: Commercial Banks; Personal Credit; Risk Management 目 录 1 绪论 5 1.1 选题背景与意义 5 1.2 国内外研究现状及评述 6 1.2.1 国内研究现状 6 1.2.2 国外研究现状 6 1.2.3 国内外研究现状评述 6 2 我国商业银行个人信贷相关理论分析