Consumer Credit Risk Analysis And Countermeasures Of Our Country

When saying consumer loans, we will think of Chinese tradition "deficit spending", namely "eat the food supplies next year in this year and there are no food supplies next year". Somebody thinks this is a consumption pattern by compulsion and it only lowers the level of consumption in the future. The users of the consumer loans anticipate the steady income in the future. They are only short of the spot consumption fund. In order to improve the spot level of consumption, they apply for consumer loans from the banks and reimburse when getting the future income. Therefore the steady future income is the basis of consumer loans. Because of the character in the origin of reimbursement, the western traditional and contemporary theories on consumption almost analyze the demand for consumer loans of the consumers from the relation between consumption and income. We can say: Consumer loans improve today standard of living not because of sacrificing the future standard of living but in the premise of not affecting the future standard of living.At present, the domestic aggregate demand is in shortage and the level of consumption is not high. So in order to speed up the consumption and stimulate the domestic aggregate demand, consumer loans become an important measure. In recent years, we have the practical conditions of developing consumer loans. Along with the improvement of the living standard and the quality of consumption, the demand for consumer loans increases year after year and commercial banks carry on the business of consumer loans actively. All these factors lead to the instant development of consumer loans. It has important effect on promoting the consumption and keeping the standing, frequent development of domestic economy. But making a comprehensive survey of the development of our consumer loans, it is still in the beginning stage. Lots of questions in every aspect still need more summary and perfections. The commercial banks, as main suppliers of consumer loans, are faced with kinds of risks, which need settlement urgently.The article consists of six parts. The first part introduces the basic theory on consumption and consumer loans. The emphasis is the theory on the demand forconsumer loans. The second part introduces the practical conditions of the speedy development of consumer loans. The third part introduces the development actuality and the macroscopically economical meaning of consumer loans. The fourth part analyzes the risks in the market of consumer loans. The reasons of exiting risks are analyzed theoretically. The sorts of risks are introduced. The fifth part gives the suggestions of countermeasure on keeping away and controlling the risks of consumerloans. The sixth part summarizes the article------our country has the conditions ofdevelopment of consumer loans. At the same time, all kinds of risks exit, especially credit risks caused by asymmetrical information. Therefore we must build up and perfect the system of personal credit and develop the secondary market of consumer loans.In course of writing, I adopt the method of the combination of theory and practice. Datum and charts are used to analyze the questions. The methods of analysis of economics are used to analyze and resolve the question.