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个人消费信贷发展迅速,不仅对刺激消费、扩大内需、拉动国民经济持续快速增长发挥重要作用,而且已逐步成为银行最主要的业务和效益来源之一。然而,个人消费信贷产生的风险也成为商业银行进一步扩大经营空间、拓展市场份额所面临的主要障碍。本文对我国商业银行开展个人消费信贷业务所面临的主要风险进行论证,分析了个人消费信贷风险的产生原因和影响因素,并在此基础上提出了建立防范个人消费信贷风险的对策建议。
The rapid development of personal consumer credit not only plays an important role in stimulating consumption, expanding domestic demand and stimulating the sustained and rapid growth of the national economy, but has also gradually become one of the most important sources of business and benefits for banks. However, the risks posed by personal consumer credit have also become major obstacles for commercial banks to further expand their business space and expand their market share. This article argues that the commercial banks in our country carry out the personal consumer credit business, and analyzes the reasons and influencing factors of the personal consumer credit risk. Based on this, it puts forward the countermeasures and suggestions on how to prevent the personal consumer credit risk.