自去年以来,中国人民银行陆续制定了一系列促进消费信贷的政策,今年又出台了《关于开展个人消费信贷指导意见》;各商业银行也纷纷推出相应的消费信贷业务。一时间,消费信贷成为银行竞争的新焦点。与此形成鲜明对照的是,各银行都把着眼点放在消费信贷的业务推广上,对于消费信贷的风险防范问题则未给予足够重视。本文将结合消费信贷风险的主要表现及其成因,着重 Since last year, the People’s Bank of China has successively formulated a series of policies to promote consumer credit. This year, it has also promulgated the Guiding Opinions on Carrying Out Personal Consumer Credit; all commercial banks have also launched corresponding consumer credit businesses. For a time, consumer credit has become the new focus of bank competition. In stark contrast, all banks are focusing their attention on the promotion of consumer credit business, and have not given enough attention to the risk prevention of consumer credit. This article will focus on the main performance of consumer credit risk and its causes