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目前,随着中国经济的发展,消费信贷业务得到了很大程度的发展,个人消费信贷业务已经逐渐成为银行利益和收益的来源,但是随着消费信贷规模的不断扩大,该业务中存在的问题也逐步显露出来。由于消费信贷业务基础条件落后,又存在对象多、范围广、期限长等特点,再加上我国商业银行的风险管理体系脆弱,不具备应付各种风险的能力,因此在很大程度上给银行经营管理带来了很大的风险,银行应该进一步提高风险分析和识别能力,把信贷风险控制在最小范围内。
At present, with the development of China’s economy, the consumer credit business has been greatly developed. The personal consumer credit business has gradually become the source of interest and profits of banks. However, as the scale of consumer credit continues to expand, the problems in the business Also gradually revealed. Due to the lagging basic conditions of the consumer credit business, there are many characteristics such as large number of objects, wide range and long duration, coupled with the fragility of the risk management system of commercial banks in China and their inability to deal with various risks. Therefore, to a large extent, Operation and management have brought a great deal of risk. Banks should further enhance risk analysis and identification capabilities to minimize the credit risk.