商业银行个人消费信贷面临的风险及防范对策毕业论文(设计)

云南财经大学学生毕业论（设计）目.7景7义8状8状9础..................................................................................11念险........................................................................12析..................................................13程........................................................13状........................................................14险..............................................15素因策化.......................17善...........................................18建实构...................................................................................................2...................................................................................................2摘：商Atpresent,consumptionisundergoinggoingonetheofcommercialBanks.Becausethepersonalhascharacteristics,suchprofitability,consumptionitcausestheadjustmentofmanagementcenteroffocusthedevelopmentthisAtthesametime,theofthekindsofriskfactorsemergeendlessly,whichonconsumptionTherefore,analysisofbankcreditriskandthenecessaryhaveimportance.thebasisthestatusathomeabroad,thisstudyfirstlytherelevanttheoriesitcurrentsituationconsumptioncommercialfromofriskandriskcausescreditriskfacedbycommercialFinally,itconsumptionriskcommercialmanagementcountermeasures-fromtheguarantee,thecompensationmechanisminorderplayagoodroletocontrolcommercialriskcommercialbankscreditriskmanagement一绪（）究景个人消费（借款人之间这导致开展个人消费信用贷款可能存在难以预知的风险。（）究义（）内研现外究状Dat.id为等人；则通；Fxeo认为个F.Sterl款1,2]。并被大量应用于实际的商业银行经营管理过程之中，/产/内究状）通房产贷）建（2003）则险二相理基（）费贷念（）费贷险险[三商银个消信现分（）国费贷展程190年代种从另一个角度看个越来（）费贷险理状四商银个消信面的险（）人费贷风因（）人费贷风成个人信贷五商银个消信风管对（）人费贷险理基—制保人费贷险理关律度强人信系快建和善（）人费贷险理内—内管业行部险理化构-分行”管业行部险理织夯其被视为商业银行的风险管理业行人用估系重同时实现信用评估的自动化和模块化。（）人费贷险理外补机9%左右六结参文[1]inofthemodelforcreditgrantingScience,1941(22):145-157.[2].我国商业银行个人消费信贷风险管理与研究[D]，2012（.[3]银行[M].北京：经济科学出版2005（7）[4]究D].兰，6）.[5].行[M]..:出版2005:115-149.[6][M]．上海：社[7].[D].2011.[8]强.我国银行个人信贷业务发展模式研[[9].对我国[J].贵，（12）