The current situation, problem and countermeasure research about non-performing loans in Individual consumption credit in Chinese commercial bank
Personal consumption credit is a kind of financial innovation in the business, playing an important role in promotion of consumption of our country dweller, driving national economy and social development. However, because the credit system is not perfect, the law is not perfect, the bank’s internal control is lack, individual consumption credit business in China still has some problems, led to bad loans in a partial commercial bank. Based on this background, in this article causes of non-performing loans on China’s personal consumption credit of commercial bank were analyzed, and according to the reason, put forward to strengthen the consciousness of honesty, perfect the legal system, promote the construction of internal control and the products of bank insurance cooperation, hoping providing a useful reference for credit business in our country commercial bank.
Key words: Commercial Bank; credit business; non-performing loans; present situation; countermeasure