Credit Risk Management Of Qingdao Residents Personal Consumption

With the sustainable economic growth and a steady increase in the incomes of residents in Qingdao, individual credit consumption continues to expand, Share of consumer credit continue to improve. However, in the case of individual credit system of the market as a whole is not perfect, Personal consumer credit risk is becoming clear. Based on the analysis of Qingdao City, in this paper, background and status of the individual consumption credit risk management, find the problems about developing individual consumption credit of Qingdao, including personal credit system, government regulation, commercial bank personal credit scoring, risk management of commercial bank and so on, and did an in-depth analysis of the problem, finally put forward the corresponding solution measures, including good credit culture, a sound individual credit system, strengthening the system construction of government regulation, strengthen the construction of personal credit scoring system, harmonizing banks’internal risk management culture, a sound mechanism of commercial bank risk management, explore innovative means of risk management and so on. Therefore, do this research has certain social value.