Research On The Risk Management Of Personal Consumption Credit Of Commercial

China's consumer credit credit business obtained great development in recent years.The current personal housing credit has been dominant in the total consumption credit.The personal consumption credit conform to the current national the growing demand for diversified financial products,at the same time for the optimization of commercial bank credit assets structure also plays an important role,access to increase the profits of commercial Banks,to start the market,expanding domestic demand,increase the production of consumer goods,forming a virtuous circle of production,consumption,production,promote the healthy development of national economy.As the growth of the national economy and the improvement of people's living standards,the personal consumption credit will gradually become the new profit growth point of commercial bank credit business.In personal consumption credit business of rapid development at the same time,personal consumption credit risk management has become the important obstacle restricting the development of consumer credit business,the current affected by external factors and internal factors,personal consumption credit risk management in commercial Banks is facing a severe test.In this paper,we study the main problem is that the commercial bank individual consumer credit risk management problems and countermeasures.On the premise of through analyzing a series of literature at home and abroad,puts forward the personal consumption credit of commercial bank risk management research of practical significance.Through the literature review,this paper introduces the relevant personal consumption credit risk of commercial bank and the content of the credit risk management.On the basis of the theory,reviews the domestic commercial bank credit risk management related theory,carries on the theoretical summary.Then the current situation of commercial bank individual consumer credit risk management,the analysis of existing problems and their causes.At the same time,in jiujiang bank as the research object,in view of the characteristics of personal consumption credit of commercial bank credit risk management,puts forward the corresponding countermeasures and Suggestions.