Study On The Problem Of Risk Of Personal Consumption Credit Of Commercial Bank

Today, Chinese economy has already realized the intermediate state of from seller-market to buyer-market, while insufficiency of valid demand becomes a central issue of Chinese economy. Under these backgrounds, as a completely new consumption way and credit medium of communication, consumption credit has caused the government, banks, enterprises and residents' concerning.By summing up and applying the theory of predecessors, this paper achieved some theoretical knowledge. Secondly, analysed developing current situation of individual consumption credit, besides on the base of positive analysis, went step further to study various factors of restricting individual consumption credit. Thirdly, analysed that individual consumption credit of commercial banks had confronted all sorts of risk, and employed positive method analysis to illustrate manifestations of the risk. Fourthly, found out reasons of causing commercial banks' individual consumption credit risk. Finally, through defining credit mark criterion and devising credit mark model, controlled individual consumption credit risk, furthermore put forward counter-measures to keeping lookout and removing consumption credit risk.The construction of this paper as follows: chapter 1, general introduction; chapter 2, the theoretical knowledge of commercial banks' individual consumption credit risk; chapter 3, the developing course and current situation of commercial banks' individual consumption credit; chapter 4, the analysis of commercial banks' individual consumption credit risk; chapter 5, the analysis of reasons of causing commercial banks' individual consumption credit risk; chapter 6, thejudgement and evaluation of commercial banks' individual consumption credit risk; chapter 7, the counter-measures of defending commercial banks' individual consumption credit risk.This paper used both positive and normative analysis methods, and also used both qualitative and quantitative analysis methods on consumption credit risk, at the same time, used both case analysis and comprehensive inducement methods. The conclusion of this research as follows:1. Consumption credit risk objectively exists.2. It is feasible to vigorously develop consumption credit, but there are a lot of problems.3. The risk of commercial banks' individual consumption credit is long potential, indefinite and high risky.4. The reasons of causing commercial banks' individual consumption credit risk are from respects of banks, respects of consumer and other respects.5. How to judge and evaluate the risk of commercial banks' individual consumption credit.6. How to be guard on the risk of commercial banks' individual consumption credit...