摘要
对美国消费信贷迅速发展中出现的次级债风波及信用卡风险进行分析,并对研究美国次级债及信用卡市场的相关文献进行梳理,结合我国商业银行消费信贷业务发展的现状,从风险控制的视角对商业银行消费信贷业务的发展提出警示:要认识和防范消费信贷快速发展过程中可能积聚的金融风险,充分认识到消费者的非理性消费将极大地加剧信用卡市场的风险,加强对消费信贷申请者进行事前的甄别和事后的审核,对不同的信用风险等级的借款人实施差异化贷款是防范消费信贷风险的重要手段。
An analysis is made on the risks of sub -prime mortgage loan debt and credit card in the rapid development of consumer loan, and a summarization of related documents concerned with sub - prime mortgage loan debt and credit card in the USA is revealed, combined with the status quo of the development of consumer loan in China＇ s commercial banks, warning and enlightenments are given viewed from risk control for consumer loan business development ： it＇ s compulsory to be aware of and to prevent against the likely financial risk in the rapid development of consumer loan, to be well aware that irrational consumption from consumers will greatly enlarge the risk of credit card market; it＇ s necessary to strengthen screening in advance and post - disbursement examination of the applicants for consumer loans, and it＇ s an important means to prevent against consumer loan risk to extend differentiated loans for different borrowers with different credit risk grating.
出处
《河南金融管理干部学院学报》
CSSCI
2008年第4期57-62,共6页
Journal of Henan College of Financial Management Cadres
关键词
消费信贷
次级债
信用卡
风险
consumer loan
sub - prime mortgage loan debt
credit card
risk
