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.
