CAJ | 학술논문

由于目前商业银行的消费贷款投放的风险防控，主要还是以提高“门槛”来筛选客户，但在实际操作中，银行工作人员并没有根据客户情况进行信用风险度量分析，只是根据客户情况，打分，评级，确定授信金额，这就导致了许多问题贷款的产生。基于此，商业银行应进一步完善征信系统，尽快实现各个行业的信息共享；构建信贷数据库，根据数据类型构建适合各种业务的信用风险计量模型，用定量的方法可以大大的降低主观决策的失误率；加强客户诚信教育，改善金融“生态环境”；同时，金融机构还应在建立客户信用评级制度的基础上，结合本地实际，因地制宜地进行信用评定工作，提升客户信用评定制度的层次和效果。
유우목전상업은행적소비대관투방적풍험방공，주요환시이제고“문함”래사선객호，단재실제조작중，은행공작인원병몰유근거객호정황진행신용풍험도량분석，지시근거객호정황，타분，평급，학정수신금액，저취도치료허다문제대관적산생。기우차，상업은행응진일보완선정신계통，진쾌실현각개행업적신식공향；구건신대수거고，근거수거류형구건괄합각충업무적신용풍험계량모형，용정량적방법가이대대적강저주관결책적실오솔；가강객호성신교육，개선금융“생태배경”；동시，금융궤구환응재건립객호신용평급제도적기출상，결합본지실제，인지제의지진행신용평정공작，제승객호신용평정제도적층차화효과。
In delivering consumption loans, the commercial banks prevent risks by increasing conditions mainly. In practice, however, the banking personnel do not take credit risk measurement but ascertain line of credit by scoring and rating based on clients＇ conditions, which will lead to many loan problems. Therefore, the eommeroial banks should improve credit reporting systems to reach information sharing with other trades, construct credit database, build credit individual risk measurement models for different businesses according to concrete data to reduce error rate of subjective decision greatly, and increase honesty education on clients to improve financial coo-environment. Furthermore, the financial institution should finish the r.redit evaluation and increase its level and effect based on real situation as well as the client credit rating system.prevention for commercial banks to deliver loans mainly relies on