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随着经济的高速发展,我国商业银行个人消费信贷规模的不断壮大、种类的不断增加,同时风险也随之而来。本文将以商业银行个人消费信贷业务为对象,首先对其业务的研究背景、意义、目的的、方法初步的介绍;其次对信贷业务的定义、特点进行理论概括;接着信贷业务的国内外发展现状进行对比分析,找出我国此业务发展中存在的问题并对此进行研究;最后总结切实可行的解决方法,对存在的问题进行改善。
With the rapid economic development, the scale of personal consumer credit in commercial banks of our country has been continuously expanded and the types of them have been constantly increasing. At the same time, risks have followed. This article will take commercial bank personal consumer credit business as an object, first of all its business research background, meaning, purpose, method of introduction; secondly, the definition of credit business, characteristics of a theoretical summary; followed by credit business development at home and abroad Conduct comparative analysis to find out the problems existing in the development of this business in our country and study it; Finally, we summarize the practical solutions and improve the existing problems.