Study On The Flow Direction And Management And Control Of Consumer Loans

In recent years,Chinese government has attempted to expand supply-side reform and actively pursue reform inclusive finance and under the background of increasing demand of resident's financial services,financial institution was innovated and consumer loans business was developed actively.As a result,not only are some required consumer demands of Chinese residents' satisfied but also they forcefully promote the economic growth of our country in the post-financial crisis era,which becomes an important driving force.With the more and more serious phenomenon of using the consumer loans out of boundary,continuous rapid expansion of scale of consumer loans becomes serious interference to healthy development of financial market in our country.To solve this problem,some management and control policies were published by our government,but with little success.Therefore,it is very necessary to investigate the existing problems of flow direction of consumer loans and management and control,and solving methods will be explored to let the flow direction of consumer loans to along the right direction and high efficiency.All the work had been done are helpful to promote consumer economy or even the intensity of national economic development of our country.This dissertation has a very important practical significance.Firstly,the status of flow direction of consumer loans was induced,which mainly includes mortgage loan and credit loan are regarded both as equally important.The consumer loans is mainly used to buy personal house,the loan subject is steady job and upper-income groups,the scale of loan shows a gradually increasing tendency,the positive and negative effects of loan are both highly significant.The existing problems are serious dislocations of supply and demand of consumer loans,the structural proportions of consumer loans is unreasonable,the flow direction region of consumer loans is unbalance,large deviation of required purpose and real purpose.The formation of these problems are due to the comprehensive effect of policy bias,market environment,pursuing interests intentions of commercial bank and residents'consumption concept.Secondly,the measures of management and control of flow direction of all kinds of consumer loans published by our government are induced,then,the existing problems of management and control of flow direction of consumer loans in China were investigated deeply,which include the bank's weak consciousness of management and control of flow direction of consumer loans,the validity of intended use of the loan is not easy to define,the intensity of punishment of relevant laws and regulations on using funds beyond compliance is not enough,there existing blind areas of technical methods used to manage and control the flow direction of consumer loans,the methods of changing the use of funds by borrower is invisible.Thirdly,the useful experience of management and control of flow direction of consumer loans abroad was summarized and referred.In this dissertation,improvement of relevant laws and regulations,risk awareness and supervision effect of commercial bank,increasing the intensity of punishment on irregularities of consumer loans subject,setting up a monitoring large database for the flow direction of consumer loans and strengthening the rights and methods of financial supervision on the flow direction of consumer loans,innovating consumer loans products and payment method were put forward,which aims at improving the present policies of management and control of consumer loans in our country and promoting the positive and efficient flow of consumer loans.