目前,我国消费信贷市场空间不断拓展,住房信贷、汽车信贷等业务获得迅速发展。随着消费贷款规模的不断扩大,该项业务中存在的问题和风险也逐步暴露出来。因此,商业银行应加强对消费信贷风险的分析与识别,以便及时采取措施,防范消费信贷风险。本文以武汉为例,通过分析该地区个人消费信贷不足的主要原因,提出了五个方面的改革措施,从而进一步完善我国的个人消费信贷体系。 At present, China’s consumer credit market continues to expand, with rapid growth in housing loans and auto loans. With the continuous expansion of the scale of consumer loans, the problems and risks in the business are gradually exposed. Therefore, commercial banks should strengthen the analysis and identification of consumer credit risks in order to take timely measures to prevent consumer credit risks. This article, taking Wuhan as an example, puts forward five reform measures through analyzing the main causes of the lack of personal consumption credit in the region, so as to further improve the personal consumption credit system in our country.