青岛市商业银行消费信贷风险防范研究

随着青岛市个人信用消费的不断扩大,消费信贷的比重不断提高,在整个市场个人信用制度不完善的情况下,银行个人信贷风险凸现。分析青岛市商业银行消费信贷的总量及内部结构,可见消费信贷的潜在风险来自于消费者、银行和制度三方面。可采取的防范措施为:从银行自身角度建立风险内部评估体系、健全风险管理体系,从外部环境角度建立青岛市个人信用信息系统、完善消费信贷风险转移机制、健全消费信贷法律法规体系等。

Study on prevention against consumer credit risk of commercial banks of Qingdao city

With the expansion of personal credit consumption and the increasing proportion of consumer credit of Qingdao city,the bank’s personal credit risk is highlighting increasingly in the market of which personal credit system is imperfect.After analyzing the total amount of consumer credit and its internal structure,the researchers found that the potential consumer credit risk comes from the aspects of consumers,banks and the system.In order to prevent the consumer credit risk,the precautionary measures are: establishing internal risk assessment system and perfecting risk management system from the perspective of the bank itself,establishing personal credit information system of Qingdao city,improving the transition mechanisms of consumer credit risk,and improving laws and regulations of consumer credit from the perspective of the external environment.