论我国商业银行消费信贷的现状和存在的问题.pdfVIP

论我国商业银行消费信贷的现状和存在的问题

摘要

目前，我国商业银行消费信贷业务的发展是当前扩大我国国内需求与促进经济

增长的重要途径之一。该业务能不能获得顺利的展开以及成功的发展,直接的影响

到我国国民经济的发展,不仅能够帮助国家实现宏观经济政策目标,还对经济增长

具有积极作用。

与西方发达国家相比，我国消费信贷现状仍然存在着许多不足,但发展前景十

分广阔。本文详细介绍了我国商业银行消费信贷业务的现状，剖析了该业务尚存在

的问题，并合理化地提出了需要发展和完善的相关措施。

【关键词】消费信贷现状问题完善

Abstract

Atpresent，thedevelopmentoftheconsumercreditbusinessofcommercialbanksinChinais

animportantwaytoexpandourdomesticdemandandpromoteeconomicgrowth

Thebusinesscanunfoldssmoothlyandsuccessfuldevelopmentofadirectimpactonthe

developmentofnationaleconomy,notonlytohelpcountriesachievemacroeconomicpolicy

,.

objectivesandalsohaveapositiveeffectoneconomicgrowth

ComparedwithdevelopedWesterncountries,Chinasconsumercredit,thestatus

quoremainmanyshortcomings,buttheprospectisverybroad.Thispaperdescribesthe

statusoftheconsumercreditbusinessofcommercialbanksinChina,analysisofthe

remainingproblemsofthebusiness，andrationalizetheproposedrelatedmeasuresofneedto

developandimprove.

Keywords:ConsumercreditStatusquoProblemsPerfect

1

目录

一、消费信贷的概念、特征及分类引言························

(2)

二、我国商业银行消费信贷的现状······························

(4)

（一）我国商业银行消费信贷的发展现状·····························(4)·

（二）我国商业银行消费信贷的制约因素·····························(5)·

三、我国商业银行消费信贷存在的问题························

(7)

（一）消费信贷风险因素的表现形式及产生原因····················(7)·

（二）消费信贷管理制度不健全·········································(9)·