摘要 个人消费信贷作为一种金融创新业务，在促进我国居民消费、推动国家经济社会发展方面发挥了重要作用。但是，由于信用体系不完善、法律不健全、银行内部控制不力等原因，我国个人消费信贷业务还是存在一些问题，导致了部分商业银行个人信贷业务不良贷款率较高。基于这样的背景，笔者在本文对我国商业银行个人消费信贷业务不良贷款发生的原因进行了分析，并根据发现的原因，提出了加强诚信意识、完善法律体系、促进内部控制建设、促进银保产品合作等建议，期望为我国商业银行个人信贷业务提供有益的参考。
关键词 商业银行；个人信贷业务；不良贷款
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
目录
引言………………………………………………………………………………………………………………… 2
一 我国商业银行个人消费信贷不良贷款现状………………………………………………………….. 3
（一）恶意欺诈行为时有发生……………………………………………………………………….. 3
（二）个人信贷内控制度欠缺，操作手段落后………………………………………………….. 4
（三）个人信贷业务形成的债权不能得到保障………………………………………………….. 4
（四）有关法规不能得以贯彻落实…………………………………………………………………. 5
二 我国商业银行个人消费信贷产生不良贷款的原因………………………………………………… 5
（一）个人信用体系不健全…………………………………………………………………………… 5
（二）个人消费信贷法律法规不完善，立法滞后………………………………………………. 6
（三）商业银行内部管理机制存在问题…………………………………………………………… 6
（四）抵押物难以变现或者存在风险………………………………………………………………. 7
（五）社会经济的发展与供需不平衡导致收入的不稳定……………………………………… 8
三 防止个人消费信贷产生不良贷款的对策…………………………………………………………….. 9
（一）诚信建设是基础…………………………………………………………………………………. 9
（二）健全个人消费信贷的法律法规…………………………………………………………….. 10
（三）完善商业银行个人消费信贷制度和监管体系………………………………………….. 11
（四）进一步完善消费信贷的担保制度………………………………………………………….. 11
（五）政府、银行、保险及其他商业机构相结合，分散风险……………………………… 12
结论………………………………………………………………………………………………………………. 12
致谢………………………………………………………………………………………………………………. 12
参考文献………………………………………………………………………………………………………… 13
