摘要
随着社会的不断发展和居民经济收入的不断增高，我国商业银行消费信贷风险中住房消费信贷已经占了八成。随着住房消费信贷业务的不断发展，商业银行的贷款管理就有了更高的要求。我国商业银行应该在大力发展消费信贷的同时，高度警惕和注意防范风险。本文从住房消费信贷的相关理论概述出发，对商业银行住房消费信贷业务的影响进行初步的探讨，并根据目前商业银行住房消费信贷业务的问题提出一些具有操作性的改革建议。
关键词：商业银行；住房消费信贷；风险管理
Abstract
With the continuous development of society and people’s income increasing, our country commercial bank consumer credit risk in housing consumption credit has been accounted for80%. Along with the housing consumer credit business development, commercial banks loan management have a higher requirement of. Chinese commercial banks should vigorously develop consumer credit at the same time, a high degree of vigilance and guard against risks. This article from the housing consumer credit related theory sets out, the housing consumer credit of commercial bank ‘s business is discussed, and according to the current housing consumer credit of commercial bank business problems put forward some workable suggestions for reform.
Key words: Commercial Bank; housing consumption credit; risk management
目录：
一、商业银行发展对住房消费信贷业务的影响
- 商业银行住房消费信贷业务存在的现象及其制约因素
- 结论
