商业银行个人消费贷款风险防范分析

AbstractPersonal consumption loan business is the most popular business of commercialbanks,and also the most important business of real economy.With the development of economy,the concept of residents'consumption gradually changes to the direction of consumption in advance and consumption in advance,and the market demand of personal consumption loan business is expanding.However,with the development of theInternet,consumption is also accelerating,and the traditional commercial banks'personal consumer loan products can no longer fully meet the new market.Therefore,the individual consumer loan products of commercial banks are constantly combiningwith the Internet technology to produce innovation and change.This paper analyzes the characteristics of personal consumption loans of commercial banks in China and the meaning and classification of personal consumption loan risks.Taking industrial bank as an example,this paper analyzes the development statusand risk causes of personal consumption loan business of Industrial Bank,and puts forward corresponding countermeasures.Finally,it summarizes the main risks faced bythe personal consumption loans of commercial banks and the preventive measures.Key words:Personal consumption loans;risk;Risk response