浅析我国商业银行个人信贷风险管理对策  

Research on the Countermeasures of Personal Credit Risk Management of Commercial Banks in China

作　　者：李永渌 LI Yonglu(Hebei University)

机构地区：[1]河北大学

出　　处：《中国商论》2021年第20期101-103,共3页China Journal of Commerce

摘　　要：个人信贷业务在近年来的增速明显,成为商业银行发展的重点业务之一。然而伴随个人信贷业务量增减的同时,相关信贷风险问题也日渐突出,成为制约信贷业务进一步发展的重大因素。为此,本文首先阐述了加强个人信贷风险管控的必要性,其次介绍了商业银行个人信贷风险的主要类型与风险成因,最后提出了相关解决对策,以期帮助商业银行更好地防控个人信贷风险。In recent years,the growth of personal credit business is salient,and it has become one of the key business of commercial banks.With the increase and decrease of personal credit business volume,the related credit risk problems are becoming increasingly prominent,which has become a major factor restricting the further development of credit business.Therefore,this paper first expounds the necessity of strengthening personal credit risk control,then introduces the main types and causes of personal credit risk of commercial banks,and finally puts forward relevant countermeasures,in order to help commercial banks better prevent and control personal credit risks.

关 键 词：商业银行 个人信贷业务 风险管控 成因 对策 

分 类 号：F832.3[经济管理—金融学]