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1、毕业论文论文题目商业银行个人消费信贷业务问题浅析专业名称财务管理班级名称学生姓名学生学号指导教师摘要如今，在中国的国民经济中，消费的比重已提高到前所未有的水平。“十二五”中计划建议的创设增大消费需要的长期持续发展模式，要把战略重点放在扩大内需上。自2008年的金融信贷风险发生之后，我国的个人消费信贷业务获得了迅速的发展，根据数据显示，中国大部分金融机构个人消费信贷中余额仅用了五年时间，就从3.2万亿人民币持续提高到了10.44万亿人民币。因此本文将以商业银行个人消费信用贷款作为主线进行研究。24本文将在浅析我国个人消费信贷发展状况后，对其进行帮助性探究；但愿能帮助我国的
2、个人消费信贷迅速稳健的发展，也从而促成银行等金融商业机构信贷业务质量的进步和适合信贷业务发展的大环境，也为此方向的研究文献和有关领域贡献了一份绵薄之力。关键词：商业银行；消费信贷；对策研究24ABSTRACTToday,consumption'sshareinthenationaleconomyhaverisentounprecedentedlevelstonewheights."Twelve-Five"planstoestablishalongmechanismofexpandingconsumerdemandsystem.Alsoemphasizedintherep
3、ortoftheparty's18,andtomakeoureconomymoredependentondomesticdemand,particularlyconsumerdemand,todrive.WhichsuggeststhatthebankingfinancialinstitutionshelptopromoteconsumptiongrowthinChina'sspaceisenormous.Aftertheglobalfinancialcitysof2008,individualconsumercreditbusinessinChinahasdevelo
4、pedrapidly,statisticsshow,balancesinindividualconsumptionloansinallfinancialinstitutionsinSustainedgrowthattheendof2007,3.3trillionyuanto10.4357trillionyuanattheendof2012.persoinalconsumercreditinthestabilityandmaintenanceofcustomerrelationships,expandingthesizeofbankcredit,improvebankin
5、gincomehasplayedanincreasinglyimportantrole.Inthiscase,theanalysisofChina'scommercialbanksconsumercreditbusinesssituationandexistingproblems,learnfromtheexperienceofadvanceddevelopmentbankconsumercreditbusiness,whichstudiesthedevelopmentofChina'scommercialbankstodevelopstrategiesconsumer
6、creditbusiness.Basedontheresearchofcomercialbanksconsumercreditasmain.FromthedevelopmentcountermeasuresofChinesecommercialbanksconsumercreditbusinessdiscussion,hopingtohelptheindividualconsumercreditstability,rapid,andhealthydevelopment,therebypromotingcreditbusinessofbankinginstitutions
7、toimprovethequalityofandtheestablishmentofsocialcreditenvironment,alsoforthisdirectionofresearchliteratureandrelatedfieldshadcontributedamodest.Keywords:CommercialBank；Consumercredit；Management2424目录摘要IABSTRACTII一、引言3（一）研究的背景及意义31.研究背景32.国内外研究现状33.研究意义4（二）研究内容与方法51.研究内容52
