【摘 要】
：
个人信用贷款业务由于其自身的特点,决定商业银行必须从内部加强风险控制体系中与个人信用贷款业务相应的部分,通过强化风险控制部门的职能及人员配备、增加流程中风险控制点
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个人信用贷款业务由于其自身的特点,决定商业银行必须从内部加强风险控制体系中与个人信用贷款业务相应的部分,通过强化风险控制部门的职能及人员配备、增加流程中风险控制点、强化信贷信息系统以及内部协调风险,同时外部环境中的经济周期风险和利率风险也可以通过建立商业银行内部的经济风险预警机制来进行规避。
Due to its own characteristics, personal credit loan business has decided that commercial banks must strengthen the part corresponding to personal credit loan business in risk control system internally. By strengthening the functions and staffing of risk control department, commercial banks should increase risk control points in the process and strengthen credit Information system and internal coordination risk. At the same time, the economic cycle risk and interest rate risk in the external environment can also be circumvented by establishing the economic risk early warning mechanism inside the commercial bank.
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