The Study On The Risk Management Of Consumer Credit In China Commercial Banks

After Second World War, consumer credit promote universally in the Western country. In our country, with development of country economies, the living standards enhances unceasingly and consumer credit business enter the high-speed-rise period. With the rapid development of consumer credit, guarding against the Financial Risks is focused by more and more people. Especially in the in 2007, The United States financial crisis broke out. And finally develop into a global economic and financial crisis. This affects the global financial industry and economic development. We are aware that it is important for protecting consumer credit of China's commercial banks business and healthy development of the financial industry to pay more attention on our country commercial bank consumer credit risk management research and analysis.In this paper, I begin with the basic of consumer credit risk management, introducing consumer credit and consumer credit risk management theory, analyzing the quo and the cause of China's consumer, researching in experience on consumer credit risk management of developed countries and Inspiration of the sub-prime crisis, pointing out the status quo and inadequate of China's consumer credit risk management. And finally, proposing countermeasures and suggestions about consumer credit risk management of China's commercial banks. Through construction of the external environment and the bank's system, as well as operation of three systems, we can resolve the banking consumer credit risk effectively and also can achieve the goal about risk management.