摘要
消费信贷业务是我国商业银行新兴发展起来的业务,消费信贷业务风险具有长期性,其面临的最大风险依然是信用风险,因此加强对消费信贷业务的信用风险管理对我国商业银行具有重要意义。消费信贷业务在西方发达国家的商业银行中已经是发展比较成熟的业务,因此借鉴先进银行的风险管理经验,对加快我国商业银行消费信贷业务信用风险管理的发展具有积极的意义。
Consumer loan is a new business to the commercial bank in our country.The risk of consumer loan is long-termed,and the biggest risk is credit risk.So how to enhance the management credit risk for consumer loan is important to the commercial bank in China.Consumer loan is a mature business to the commercial bank in the western country.To learn the lessons of its management from the western bank is a practical way to develop credit risk management in the bank in our country.
出处
《贵州大学学报（社会科学版）》
2011年第2期64-68,共5页
Journal of Guizhou University(Social Sciences)
关键词
商业银行
消费信贷
信用风险管理
commercial bank
consumer loan
credit risk management
