Study On Consumer Credit Risk Management Of Qingdao City

With the improvement of people's life and consumption standard,the demand for consumption loans has increased annually.The commercial banks,the suppliers of the consumption loan,have advanced the consumption loan actively.Therefore,the consumption loan has developed rapidly in China,which has an important role of the increase of consumption and the development of the national economy.Otherwise,the development of the consumption loan is still in the first stage in which some aspects on consumption idea,loan type and loan management are needed to concluded and perfected.Banks,as the main suppliers of consumption loan,are faced with various risks,such as credit risks,market risks and interest risks,which need settlement urgently.The author has researched Qingdao's risk management of the consumption loan and analyzed the data of the consumption loan from 2001 to 2008.The study reveals:in recent several years,people's consumption idea is improved,consumption power is enhanced,the scale of the consumption loan is going up,the consumption loan in the proportion of all loans is increasing,individual housing loan is the main kind of consumption loans.In another aspect,because the quality of automobile consumption loans is bad and the default frequency of student loans is high,the development growth of Qingdao's consumption loans gets slower and slower and the scales of automobile consumption loans is going down and student loans have developed slowly.By way of analyzing Qingdao's risk management of the consumption loan,the author has revealed several questions,such as the imperfection of consumption loans market system and consumption loans body system and consumption loans products system,in the management of consumption loans.The author gives the strategy on strengthening and improving Qingdao's consumption loans risk management,which mainly includes strengthening the construction of individual credit institution, improving housing security system,strengthening the supervision of consumption loans, developing loan insurance institution,establishing guarantee and assurance institution of consumption loans.