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As a kind of new credit products，commercial installment loans get fast development inchina. How to correctly identify the specific risks of commercial installment loans, putforward the risk control measures, is an important work of commercial banks, it has theimportant practical significance.This topic research on risk based on commercial installment loans, to adopt the form ofcase studies, through the introduction of commercial installment loans risk analysis method,the overview of the implementation of specific project risk research, typical risk disclosure ofcommercial installment loans, and puts forward specific risk prevention measures, basicallyfollows from the question, to the theory summary, practice, condition analysis, and then to theresearch ideas and methods of the analysis of the countermeasures. The main contents of thispaper are as follows: The first part，the background and the significance of this writing. Thesecond part, the definition, characteristics, entry requirements of commercial installmentloans; brief introduction of commercial installment loans risk analysis method, the first is theanalysis of the operation management and financial condition; the second is the credit riskanalysis method, and analyzed comparatively exhaustive. The third part, based on Kcompany’s commercial installment loans case as the background analysis, the main risk leadsto commercial installment loans. Through the analysis of risk, risk prevention measures tofind commercial installment loans. And the case put forward pertinent suggestions on riskcontrol.Through the analysis of commercial installment loan risk, summarizes the commercialinstallment risk prevention measures: batch planning customer development; strictly controlthe use of the loans, to prevent the misappropriation; regulate real estate assessment agenciesaccess, select the two evaluation to assess; strict rent check, strictly controlling the loanamount and loan term; strengthen the management after loan carefully check, rent, rentalincome and good supervision, is strictly prohibited to release mortgage.
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