个人消费贷款因其具有良好的盈利性和较低的风险而成为各商业银行竞相争夺的一块“蛋糕”。但近年来,这块“蛋糕”的风险已逐步显现,如何防止个贷“蛋糕”变味呢?笔者想到以下几点:———了解贷款真实用途。“花明天的钱圆今天的梦”,这是个人消费贷款客户贷款的目的,其用途大 Because of its good profitability and low risk, personal consumer loans have become the “cake” that commercial banks compete for. However, in recent years, the risk of this “cake” has gradually emerged. How to prevent the personal “cake” from becoming sour? The author thinks of the following points: --- Understand the real purpose of a loan. “Spending Tomorrow’s Money Today’s Dream”, which is the purpose of a personal consumer loan customer loan, and its use of large