对外经贸
對外經貿
대외경무
Heilongjiang Foreign Economic Relations and Trade
2014年
12期
114-116
,共3页
商业银行%消费信贷%信用制度%担保
商業銀行%消費信貸%信用製度%擔保
상업은행%소비신대%신용제도%담보
commercial bank%consumer credit%credit system%guarantee
我国商业银行消费信贷业务的风险包括信用风险、流动性风险、管理风险、政策风险。消费信贷业务发展存在从业人员整体素质不高，信用制度不健全，缺乏有效的担保制度，消费贷款手续繁琐、环节过多等问题。发展我国商业银行消费信贷业务应加强对从业人员的培训；不断完善个人信用制度和担保制度；简化贷款手续、减少审批环节；大力发展农村消费信贷。
我國商業銀行消費信貸業務的風險包括信用風險、流動性風險、管理風險、政策風險。消費信貸業務髮展存在從業人員整體素質不高，信用製度不健全，缺乏有效的擔保製度，消費貸款手續繁瑣、環節過多等問題。髮展我國商業銀行消費信貸業務應加彊對從業人員的培訓；不斷完善箇人信用製度和擔保製度；簡化貸款手續、減少審批環節；大力髮展農村消費信貸。
아국상업은행소비신대업무적풍험포괄신용풍험、류동성풍험、관리풍험、정책풍험。소비신대업무발전존재종업인원정체소질불고，신용제도불건전，결핍유효적담보제도，소비대관수속번쇄、배절과다등문제。발전아국상업은행소비신대업무응가강대종업인원적배훈；불단완선개인신용제도화담보제도；간화대관수속、감소심비배절；대력발전농촌소비신대。
The risk of consumer credit business of commercial banks in our country includes credit risk, liquidity risk, man-agement risk, policy risk.The development of consumer credit business has some problems, such as the low quality of overall employees, the unsound credit system, the lack of effective guarantee system, the tedious procedures of consumer loans, too many links and so on.China should strengthen the training of practitioners; perfect personal credit system and guarantee sys-tem;simplify loan procedures, reduce the links in examination and approval;develop the rural consumer credit vigorously.
