Individual Consumption Credit In Chinese Commercial Bank Risk Management And Research

Europe ’s major economic powers from the nineteen forties, began the widespreadimplementation of personal consumer credit, obtained remarkable economic benefits.Our country from on century70time end personal consumer credit business, along withthe reform and development of continuous progress, the personal consumer creditbegins to get developing flourishingly. On2007, the United States of Americaoriginated from the " subprime crisis " erupt, and quickly swept through the globalfinancial markets, which sounded the alarm bell for individual consumption credit. Inorder to safeguard our financial market stability, promote stable economic growth andprosperity, it is necessary to study deeply the individual consumption credit in Chinesecommercial bank risk, guard against and dissolve the risk in advance.The introduction to this paper, firstly the thesis explains, introduces the selectedtopic significance, and introduce the main train of thought, method and thecorresponding technical route, also put forward the innovation of this article, then, onconsumer credit and consumer credit management theory are summarized, subsequentto the consumer credit risk management status of a simple analysis, then, are part of thedeveloped country in the world of consumer credit risk management on some advancedmethods, and some of the lessons learned, and has carried on the comparative analysis,by comparing the situation at home and abroad, in view of our country consumer creditrisk management in special circumstances, and put forward some suggestions andcountermeasures. At the same time, in the analysis of China’s current consumer creditmarket risk present situation and the existence question is, undertook a personal creditrating score, calculate the relevant data analysis model, the final result and the bankactual situation coincide with.Through this article to the consumer credit risk management research, the authorthinks, to explore how to improve our country commercial bank consumer credit riskmanagement, we should start with the following aspects, external support is a soundlegal system, to improve and standardize the personal credit system is used; the internalaspect of commercial banks, to strengthen the internal organizational structure and therelated system construction, is capable of effectively resolving our country commercialbank consumer credit risk, and eventually realize the personal consumption credit riskcontrollability.