Study On Analysis And Preventive Countermeasures Of Consumer Credit Risk

Consumer credit has many benefits, it can promote the consumption growth, stimulate national gross demand, adjust industrial structure and impulse the development of economy. However, there are many inhibiting factors of consumer credit in our country, such as the unpredictable credit risk, the slow development of consumer credit. This paper will have significant theoretical and practical meaning by exploring the cause, feature and damage of the risk of consumer credit so as to form the modal of rating of individual credit risk, discuss the ways and measures to prevent and control consumer credit risk, intensify the management of consumer credit risk and promote the development of consumer credit.This paper is guided by systems theory, apply the combination of theoretical research and examples analysis and the methods of qualitative analysis and quantitative analysis to discuss in detail the causes of credit risk of consumer credit, draw many related references from foreign counties and combined our own state conditions to put forward some effective measures and polices to deal with the risk of consumer credit. This paper starts with the reference research of the predecessors, summarize and analyse these concepts of credit, consumer credit, risk and risk of consumer credit, limit their implication, state the relationship between credit and risk of consumer credit and make a brief introduction of ratio, police, loan mortgage , mobility and market risk of consumer credit. Then, analyse and state the cause of credit risk from three points of view of credit environment factor, credit system factor and the idea and behavior of individual credit and believe that credit risk of consumer credit is borne by the following uncertain points : the deterioration of the social credit environment, the imbalance scatter of information, the backward of law and rules, the weak management of credit risk, individual refund will , moral factors and the ability of individual refund. Next, considering our country's current situations, and based on the research involving consumer credit risks and classical professional regulations, we constructed the personal credit risk evaluation model and analyzed the actual cases. Finally, we presented our national policy-making departments with a few solutions to prevent and control the consumer credit risks. These include perfecting national credit history system formed by both the personal credit history and evaluation organizations. These also include improving our law system and credit guarantee system. In this way the consumer credit risks can be controlled in both the system and environment fields. At the same time financial institutions can minimize the consumer credit risks by combining the consumer credit and insurance to use the loan pricing and asset backed securities, thus leading to rapid and healthy development in the consumer credit.