我国个人消费信贷风险分析与防范建议

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XCLW85308 我国个人消费信贷风险分析与防范建议

随着我国经济的快速发展和人们的生活水平不断改善，极大地提高了居民的个人的消费水平，城乡居民的消费理念以及消费方式也随之发生了很大的改变。人们利用银行的贷款方式可以提前享受更好地生活品质，随着个人消费信用的不断提升，居民对信贷的需求也逐年增加，信贷的比重不断扩大。但在整个社会市场的背景下，我国信贷发展仍处于初级阶段，个人信贷的风险性及其突出。为此，要建立一个完善的风险防范体系。

内容摘要·····························································1

一、个人消费信贷信用风险及特征···································· 5

1.1信息缺失···························································· 5

1.2国家的消费政策相对滞后·············································· 5

1.3个人消费信贷风险管理不够完善········································ 5

1.4个人消费信贷立法滞后··············································· 5

二、我国个人消费信贷风险原因······································· 5

2.1银行自身管理薄弱·················································· 5

2.2个人信用体系不健全················································ 5

2.3风险防范法规体系不完善··········································· 6

2.4利率尚未市场化······················································ 6

2.5信用评分技术落后··················································· 6三、我国个人消费信贷风险的防范建议······························· 7

3.1建立和完善个人信用制度和信用体系·································· 6

3.2建立健全消费信贷相关法律体系······································· 7

3.3建立有效的内控体系，实行浮动贷款利率······························· 7

3.4采用科学的信用评分技术·············································· 7

3.5转变消费观念，提高信用意识··········································· 7

四、结论································································ 8五、文献