关于商业银行消费信贷业务发展的思考-摘要.docx

摘要随着经济的发展金融业的发展也呈现出前所未有的蓬勃发展态势银行的信贷业务在经济的发展中所扮演的角色也日益凸现而商业银行作为众多银行中的一帜其消费信贷业务也受到越来越多的重视自上世纪八十年代至今商业银行的消费信贷业务经历了跌宕起伏但最终我们不可否认的是当今国民经济的发展离不开消费信贷业务的发展消费信贷业务在我国的发展历程并不长但是其发展速度却是史无前例的同时不能忽视的是在其蒸蒸日上的背后也存在许多不能忽视的问题本文主要采取规范性研究方法案例分析法问卷调查法针对这些问题进行深入的分析和研究并在研究过程中提出系列针对性举措消费信贷是指商业银行以消费者个人的信用为基础发放给消费者信贷资金用来购买耐用消费品或支付其个人或家庭消费贷款消费者在一定期限内还本付息消费信贷在发达国家历史悠久对联系生产制造业商品零售业银行保险业和证券业起着桥梁的作用关键词商业银行商业银行消费信贷业务信贷业务AbstractWiththedevelopmentoftheeconomythedevelopmentofthefinancialindustryisalsoshowingunprecedentedprosperitytheroleofthebankscreditbusinessinthedevelopmentoftheeconomyhasbecomeincreasinglyprominentThecommercialbankasabankinmanyofitsconsumercreditbusinesshasattractedmoreandmoreattentionSincethe80soflastcenturytheconsumercreditbusinessofcommercialbankshasexperiencedupsanddownsbutintheendwecannotdenythatthedevelopmentofthenationaleconomyisinseparablefromthedevelopmentofconsumercreditbusinessThedevelopmentofconsumercreditbusinessinChinaisnotlongbutitsdevelopmentspeedisunprecedentedAtthesametimecannotbeignoredisthattherearemanyproblemscannotbeignoredbehinditsprosperityThisarticlemainlyadoptsthenormativeresearchmethodcaseanalysismethodquestionnairesurveymethodtocarryonthethoroughanalysisandtheresearchtotheseproblemsandputsforwardaseriesoftargetedmeasuresintheresearchprocessConsumercreditreferstothecommercialbanksonthebasisoftheindividualconsumercreditpaymenttotheconsumercreditfundsforthepurchaseofdurablegoodsorpayfortheirpersonalorhouseholdconsumerloansconsumerdebtwithinacertainperiodConsumercredithasalonghistoryindevelopedcountriesanditplaysanimportantroleintheproductionofmanufacturingretailbankingandsecuritiesKeywordsCommercialbankcommercialbankconsumercreditbusinesscreditbusiness