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当前我国消费信贷风险管理技术和水平相对比较落后,而从2007年开始的美国次贷危机对我国的金融行业乃至各个行业的影响都很大,因此现在对我国消费信贷风险管理进行研究有着很大的现实意义。本文首先从现代商业银行消费信贷风险管理的一般理论出发,详细论述了我国商业银行消费信贷风险的现状以及我国商业银行信贷现状,不良贷款率尽管占比逐年下降,但绝对额仍然居高不下。通过分析我国商业银行消费信贷风险管理的现状,找到其中存在的问题,最后,通过深入分析我国商业银行消费信贷风险存在的主要问题,提出了一些针对性的改进意见。
At present, the technology and level of China’s consumer credit risk management are relatively backward. However, the subprime mortgage crisis that started in 2007 has a great impact on China’s financial industry and even various industries. Therefore, research on consumer credit risk management in our country now has a great impact The practical significance. Based on the general theory of consumer credit risk management in modern commercial banks, this paper discusses in detail the current situation of consumer credit risks of commercial banks in our country and the status quo of commercial banks’ credit in our country. Although the proportion of non-performing loans declines year by year, the absolute amount is still high. Through analyzing the present situation of consumer credit risk management in commercial banks in our country, we can find out the existing problems. Finally, by analyzing the main problems in consumer credit risks of commercial banks in our country, some suggestions for improvement are put forward.