The Research Of The Management Of Consumer Credit Risk Of Our Commercial Banks

In the early 1940 s, has been widely abroad personal consumption credit. Nowadays, personal consumption credit, has become a mature mode of financial services, especially in the started the earliest European and American countries, has formed a scientific and effective management system.Starting in the 1980 s, our country introduces the personal consumption credit business, after more than 20 years of exploration, has made great development, in recent years, with the development of social economy and the transformation of the public consumption idea, personal consumption credit business of our country has entered a rapid development period. Were not adapted to the rapid development, the serious lag in the consumer credit management in our country, the field of personal consumption credit has many problems, the risk is big.How to draw lessons from foreign experience, combined with China's national conditions, exploring the road of China's consumer credit risk management, is one who has a high theoretical value and the ver practical significance to the research subject. This paper will bold and beneficial research in this aspect, consumer credit risk management in China.In this paper, the data used are the public data from the People's Bank of China, the National Bureau of Statistics and ShuLan City Commercial Bank. And the risk management of consumer credit of commercial banks, are discussed in five parts.In the first chapter, we mainly discussed the background and significance of this study, the research on risk management of consumer credit of commercial banks in domestic and foreign, and the research ideas and methods of this paper. In the second chapter, we mainly discussed the current situation of risk management of consumer credit of commercial banks and the existent problems. In the third chapter, we analyze the main causes of the current problems of risk management of consumer credit of commercial banks. In the fourth chapter, we proposed recommendations for risk management of consumer credit of commercial banks. In the fifth chapter, we analyze the practice of the risk management of consumer credit of commercial banks in ShuLan City.Innovation of this paper lies in: from the our country commercial bank credit risk management practice, closely integrated with the actual; In the full paper, current situation of the development of our country commercial bank credit risk management and the existing problems, on the basis of put forward the corresponding policy recommendations, systematically comprehensively studied our country commercial bank consumer credit risk management.The deficiency of this paper lies in: due to consumption of commercial bank credit risk management practices in China started late, less available reference samples, selected data have certain limitations; China's economy is on the structure transformation, marketization of interest rate and a series of the unrest, therefore, many problems still need further careful analysis and thinking.