目录
一 引言……………………………………………………………………………………………………….. 2
（一）选题研究的背景及意义………………………………………………………………….. 2
（二）目前国内文件研究综述………………………………………………………………….. 2
（三）本文研究思路、主要内容与创新点………………………………………………… 3
二 我国商业银行个人消费信贷不良贷款现状……………………………………. 3
（一）商业银行个人消费信贷不良贷款的数量及分布………………………………. 4
（二）个人消费信贷业务恶意欺诈行为时有发生……………………………………… 6
（三）个人信贷内控制度欠缺，操作手段落后…………………………………………. 6
（四）个人信贷业务形成的债权不能得到保障…………………………………………. 7
（五）有关法规不能得以贯彻落实………………………………………………………….. 7
三 我国商业银行个人消费信贷产生不良贷款的原因……………………….. 7
（一）个人信用体系不健全……………………………………………………………………… 8
（二）个人消费信贷法律法规不完善，立法滞后……………………………………… 8
（三）商业银行个人消费信贷内部管理机制存在问题………………………………. 9
（四）抵押物难以变现或者存在风险……………………………………………………… 10
（五）经济市场的不断变化导致收入的不稳定……………………………………….. 10
四 我国商业银行防范个人消费信贷产生不良贷款的对策……………… 11
（一）完善个人信用体系……………………………………………………………………….. 11
（二）完善商业银行个人消费信贷制度和监管体系………………………………… 12
（三）进一步完善消费信贷的担保制度………………………………………………….. 12
（四）政府、银行、保险及其他商业机构相结合，分散风险………………….. 12
（五）健全个人消费信贷的法律法规……………………………………………………… 13
结束语：……………………………………………………………………………………………………. 14
参考文献……………………………………………………………………………………………………. 15
我国商业银行个人消费信贷业务不良贷款现状、问题及对策研究
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。个人信贷业务是商业银行资产业务的重要组成部分, 目前,我国银行个人贷款只占全部贷款的 10% 左右, 而发达国家则达到50%以上, 发展个人信贷业务已成为我国商业银行拓展业务、增加利润和拓展金融市场的必然选择, 也是迎接外资银行挑战的需要。近年来该支行面对资金流动性过剩及盈利压力的困境, 调整信贷结构, 将个人信贷作为其未来业务发展的重点和新的增长点, 支行个人信贷业务发展很快, 但是随着个人信贷业务规模的不断扩大, 个人信贷风险也日益明显,个人信贷作为银行未来业务发展的重点和新的增长点, 有效防范个人消费信贷业务的不良贷款在当前显得尤为重要。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
Abstract: Personal consumption credit is a kind of financial innovation business, in the promotion of consumption of our country dweller, drive national economy and social development plays an important role in. Personal credit business is commercial bank assets important component, at present, our bank personal loans accounted for only about 10% of all loans, while developed countries reached more than 50%, the development of personal credit business has become China’s commercial banks to expand the business, increase profits and expand the financial market an inevitable choice, but also to meet the challenges of foreign capital bank need. In recent years the branch in the face of excess liquidity and profitability pressure difficult position, the adjustment of credit structure, the personal credit as the future focus on business development and new point of growth, branch of the personal credit business is developing very fast, but with the constant enlargement of the scale of personal credit, personal credit risk is increasingly apparent also, as the bank personal credit future business development focus and new point of growth, effectively preventing the personal consumer credit business of bad loans in the current is very important. However, because of the credit system is not perfect, the law is not perfect, the bank internal control lack, individual consumption credit business in China still has some problems, has led to some commercial bank personal credit business of higher rate of bad loans. Based on this background, the author in this article on China’s personal consumption credit of commercial bank non-performing loans causes are analyzed, and according to find reason, put forward to strengthen the consciousness of honesty, perfect the legal system, promoting the construction of internal control, to promote the products of bank insurance cooperation proposal, hope for our country commercial bank personal credit business provides a useful reference.
Key words: Commercial Bank; credit business; non-performing loans; present situation; countermeasure
