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The Study on the Risk Management of Consumer Credit in China Commercial Banks

Author: LuYanZuo
Tutor: JiangSanGeng
School: Capital University of Economics
Course: Finance
Keywords: Consumer credit business Consumer credit risk management Subprime mortgage crisis
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 767
Quote: 1
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Abstract


The consumer credit in the post-World War II Western countries has been widespread promotion and application , and achieved good results and economic effects . In China , as China's economic development , people's living standards improve , the consumer credit business has entered a period of rapid growth . Anything the drawback is inevitable , while the rapid development of consumer credit , also accompanied by many problems . Especially in 2007 , the outbreak of the financial crisis , and eventually developed into the global economic and financial crisis . And eventually spread to the global economy . People began to focus on how to prevent the problem of consumer credit risk . You can be sure : the importance to and strengthen the research and analysis of consumer credit risk management of commercial banks in China , has important practical significance for the protection of the consumer credit business of commercial banks in China as well as the healthy development of the financial sector . This article Overview of departure from the fundamentals of the credit risk management , and introduced the first consumer credit and consumer credit risk management theory , and analysis of the consumer credit market risk status and existing problems . Lessons developed consumer credit risk management experience , as well as the credit crisis and revelation . Finally, suggestions for consumer credit risk management of commercial banks in China , that is, through the construction of the external environment , the bank's own system construction and risk transfer , with the run of the early warning mechanism and process compensation mechanism to resolve the banks ' consumer credit risk , and ultimately to achieve the goal of risk management .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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