| 商业银行消费信贷风险分析与对策研究 |
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| 引用本文： | 杨朝晖. 商业银行消费信贷风险分析与对策研究[J]. 河北软件职业技术学院学报, 2005, 7(4): 19-22 |
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| 作者姓名： | 杨朝晖 |
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| 作者单位： | 建设银行河北省分行唐山审计办事处,河北,唐山,063000 |
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| 摘 要： | 目前，我国消费信贷市场空间不断拓展，住房信贷、汽车信贷、耐用消费品信贷、助学信贷等业务获得迅速发展。随着消费信贷规模的不断扩大，该项业务中存在的问题和风险也逐步暴露出来，在有些地区还表现得比较明显。本文就消费信贷发展过程中出现的风险因素进行了分析，并就商业银行如何防范消费信贷风险提出了相应的对策建议。
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| 关 键 词： | 商业银行 消费信贷 风险防范 中国 |
| 文章编号： | 1673-2022（2005）04-0019-04 |
| 收稿时间： | 2005-02-20 |
| 修稿时间： | 2005-02-20 |
On the Risk and Countermeasures of Commercial Bank''''s Consumer Credit Service |
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| YANG Zhao-hui. On the Risk and Countermeasures of Commercial Bank''''s Consumer Credit Service[J]. Journal of Hebei Software Institute, 2005, 7(4): 19-22 |
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| Authors: | YANG Zhao-hui |
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| Abstract: | The rapid development of consumer credit service such as service of housing credit,auto credit,consumer durables credit and schooling credit have expanded this market,whereas many hidden problems and risks in the system appea red and became more seriously in some areas.This article provides a detailed an alysis of the risk factors exposed in the performance and gives preventive measu res to possible risks in commercial bank's consumer credit service. |
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| Keywords: | commercial bank consumer credit service risk risk prevention |
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