消费信贷对我国商业银行流动性管理的影响及其风险防范

目前,对消费信贷这部分资产的流动性管理成为银行业所面临的新问题。消费信贷具有期限长、客户分散、抵押品特殊等特点,这些都对我国商业银行传统的流动性管理方法提出了挑战。商业银行必须针对这项资产的特点并结合我国实际情况进一步完善其流动性管理机制,而资产证券化,将成为银行规避流动性风险的有力工具。

Credit of Consumption and its Effect on the Floating Management of Commercial Banks in China

Credit of consumption has become a major business for commercial banks in China,and the slice of the business is ever increasing in terms of both revenues and profits.The floating management of these assets,however,has become a major issue confronting the commercial banks,and it must be solved before the restrictions on foreign capital are completely lifted.The long term loan,scattered customers and mortgage of the business have posed challenges to the traditional approach used in the floating management of commercial banks.Improvements and suggestions are provided in this paper to tackle the problems and lower the risks.