Under Financial Crisis Consumer Credit Development Strategy Research In China

The U.S.subprime mortgage crisis surfaced since February 2007.For the next one year,the risk of subprime has being exposed overall,and finally triggered a global financial crisis.This financial crisis have caused a lot of enormous bad impact on the Chinese economy,and the Chinese economic development which driven by export faced severe test.If Chinese economies keep a rapid growth during the global financial in an accelerated decline,it should expand domestic demand.The Consumer credit played an important role as a result of stimulating consumption and economic growth,and improving bank's assets structure.The Chinese financial institutions should make great efforts of developing consumer credit.At the same time,getting the lesson from the cause of subprime loan crisis,that is helpful for our country.The Chinese financial institutions will treat with the accumulating risk in a rational and careful way,strengthen the consciousness against the risks,while,improve the ability of the risk management.Those keep the financial institutions stable and healthy development.This thesis is divided into five chapters.The first chapter is introduction,which has analyzed the research background,significance and the research at home and abroad; then,it points out the train of thought and the methods.The second chapter on the basis of analyzing the connotations and characteristics of Financial Crisis,has analyzed the forming and evolution mechanism;through the contrast analysis for the characteristics of estate market risk between China and U.S.,it is concluded that the subprime crisis taking place in China less than in U.S.The third chapter has described the emergence and development of consumer credit, afterwards,it focused on the characteristics of the recent research of pattern about developing consumer credit in commercial bank,and the economic and financial effect of consumer credit.Chapter four has discussed on the developing strategies of consumer credit,finally, according to the Chinese particular national conditions,the types of services transacted by the commercial bank and non-bank financial institutions,some suggestions on how to develop Chinese consumer credit are given.Chapter five,it makes the empirical analysis of consumer credit business risk in commercial bank.Though learning from the foreign risk-managing.Finally put forward the countermeasures and suggestions of consumer credit risk in Chinese commercial bank.