[1]罗想平.我国商业银行个人消费信贷风险防控初探[J].大众科技,2014,16(05):242-244.
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我国商业银行个人消费信贷风险防控初探
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《大众科技》[ISSN:1008-1151/CN:45-1235/N]

卷:
第16卷
期数:
2014年05期
页码:
242-244
栏目:
社会科学研究
出版日期:
2014-12-25

文章信息/Info

Title:
Preliminary exploration of China's commercial banks consumer credit risk control
文章编号:
1008-1151(2014)05
作者:
罗想平
中国科技开发院广西分院，广西 南宁 530022
关键词:
商业银行; 个人消费; 信贷风险
Keywords:
Commercial banks;  personal consumption;  credit risk
分类号:
F830.9
文献标志码:
A
摘要:
随着我国经济的发展和人民收入的不断提高，商业银行的个人消费信贷业务发展非常迅速，在促进消费、扩大 内需以及提高人民生活水平等方面发挥了重要的作用。然而，个人消费贷款产生的风险也随之产生。文章试通过分析我国个人 消费信贷的现状，分析个人消费信贷风险的产生原因，并试求探讨防范个人消费信贷风险的方法及对策
Abstract:
With China's economic development and the continuous improvement of people's income,Personal credit business of commercial banks develop very quickly,in terms of promoting consumption, expanding domestic demand and improving people's living standards have played an important role. However, the risks from personal consumption credit also produce.This article try to analyse the causes of risk personal consumption credit by analysing the current situation of personal consumption credit. And try to seek the methods and countermeasures for preventing the risk of personal consumption credit.

参考文献/References:

[1] 赖小民.银行个人消费信贷案例与分析[M].北京:经济科 学出版社,2012. [2] 杨大楷,俞艳.中国个人消费信贷状况及风险防范研究[J]. 金融论坛,2012. [3] 邹虎,昝炉君.个人房产假按揭贷款风险防范与监管[J].金 融研究,2011. [4] 余龙虎.美国“次级债危机”对我国银行监管的启示[N]. 金融时报,2008. [5] 彭兴韵.中国房贷也有美国次级债风险特征[N].上海证 券报,2008. [6] 梅新育.美国次级房贷风潮的根源与影响[J].新理财,2011. [7] 张锐.美国次级抵押贷款:危机与渗透[J].城市开发,2007.

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备注/Memo

备注/Memo:
【收稿日期】2014-04-10 【作者简介】罗想平，男，中国科技开发院广西分院会计师
更新日期/Last Update: 1900-01-01