China's Consumer Credit, Credit Risk Management Study

Through the quickly development in last few years, the consumption credit has already become the new profit growth point of commercial bank. But, along with the extension of the consumption credit loan business scale continuously, the credit risk exists in the credit consumption exposes out gradually, and takes disadvantage to the healthy development of our country's credit loan. The credit loan market and loan valuation system to evaluate people's credit in abroad has already formed extremely mature. But in China, because people's reputation consciousness is weak, and the advanced valid credit valuation system, credit risk control system and perfect social laws does not built up completely, the credit risk of the loan increase gradually in commercial bank. How to lower the risk of the consumption loan, especially control the credit risk, has already become the extremely urgent problem to be resolved in our commercial bank.This thesis puts forward question, analyzes it and then solves it. It tries to introduce and analyze the management method of consumption credit loan of our country in four aspects. It begins with the introduction of the theory of credit risk in Chapter 1, which is the theoretical foundation of this thesis. In Chapter 2, this thesis introduces the development condition of consumption credit loan in China, particular analyze the characters and causes of credit risk problems. Chapter 3 is about the advanced experience of American consumption credit risk management system. In Chapter 4, the author draws to construct the risk management system of consumption credit in China. This system consist of personal credit registration system, personal credit evaluation system, credit risk control system of commercial bank, personal credit laws and breaching penalty system.