| With the gradual change of consumption consciousness and consumption mode of Chinese residents,consumer credit,as a new consumption mode,fully releases the consumption demand of Chinese residents.Among them,short-term consumer credit,as an important part of consumer credit business,has been developed rapidly because of its convenience and flexibility.However,compared with medium and long-term consumer credit,the business procedures of short-term consumer credit are relatively simple and the processing conditions are looser.Strengthening the risk management of short-term consumer credit is an important guarantee for the sustained and healthy development of the business.Compared with other commercial banks,the non-performing loan ratio of rural commercial banks is higher.From the point of view of rural commercial banks,this paper studies the risk management of short-term consumer credit,which has certain theoretical and practical significance for reducing the new non-performing loans,optimizing the asset structure of rural commercial banks,and giving full play to the main role of rural commercial banks in serving"agriculture,rural areas and farmers".This paper is based on the research object of JS Rural Commercial Bank.It starts from combing the research status of short-term consumer credit at home and abroad,and through analyzing the characteristics and causes of short-tern consumer credit risk,it finds out that there are some problems in the short-term consumer credit business of JS Rural Commercial Bank,such as backward concept and means of risk management,unreasonable process and so on.Finally,combined with the actual situation,this paper puts forward some opinions and corresponding suggestions for JS Rural Commercial Bank to improve the risk management level of short-term consumer credit,including establishing an effective organizational structure of risk management,establishing a perfect personal credit system of JS Rural Commercial Bank,completing the transfer mechanism of short-term consumer credit risk,and strictly implementing the business process of short-term consumer credit. |
