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20世纪90年代以来,我国有大型商业银行的贷款业务呈现迅猛发展的势头,商业银行贷款业务尤其是个人信贷业务呈现出快速增长的态势。但是,这种迅速增长的背后也隐藏着风险。通过长时间的观察,相比于公司的信贷业务风险来说,个人信贷业务的风险要低很多,但是无论是个人信贷业务还是公司信贷业务,不同的业务种类在不同的发展时期和阶段特别是在大规模发展阶段都会在不同程度上出现高风险。
Since the 1990s, the lending business of large commercial banks in our country has enjoyed a rapid development. The lending business of commercial banks, especially the personal credit business, has shown a rapid growth trend. However, this rapid growth is also hidden behind the risk. After a long period of observation, the risk of personal credit business is much lower than that of a company’s credit business risk. However, whether in the personal credit business or the corporate credit business, the different business types are different at different development stages and stages, especially In large-scale development stage will be high-risk to varying degrees.