Research On Credit Risk Of Consumer Loan In China Commercial Banks

Credit risk means the possibility that the principle and interest of credit tool suffers to the loss when using it to carry on the credit activities. With the gradual improvement of standard of living in our country, the consumption idea of dweller is changing greatly, the idea is accepted by many people that using tomorrow's money to accomplish today's dream, consumer loan is in the occasion of development at high speed. However, due to the opacity of credit state, the faultiness of credit system, and the unfathomable character of credit risk, the banks show little enthusiasm to consumer loan, which development is baffled badly.Through the study and discussion about the mainly risks, that our commercial banks face on during carrying on the operations of consumer loan, this paper analyses the causes and influence factors of consumer loan risk, and the management method of risks that the banks use at present and existed problems, brings forward the idea that, in the occasion of be short of personal credit evaluation system, the banks how to estimate, supervise and manage the risk of consumer loan in terms of their own characteristics and the basic situation of our country. At the same time, with the development of market economy and the growing like a weed of economy globalization, various abuses of controlled interest rate existed in finance filed are becoming increasingly stand out, therefore it is cry for loosening the control to interest rate and achieving interest rate marketization. Based on the study of influence of interest rate marketization in banks and dwellers and the current state of risk of consumer loan, this paper discusses the new characteristics of personal credit evaluation risk after interest rate marketization and put forward the accordingly new measures to solve them.