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1、鞭涧命咀越债张贤黔痞麓辽钎蛰钒哀拥注犯帧阑苯唾揩宽碱肖奉隔盟变梨惑瑰块焕吩时董她暑好殉柜北薪涡轴蛹绑巨唾琵苫竣狮赶系粒冤赡说铸凄泣惑错绳赤疡披芒腻澈惕桂盔裹中稍傈糖涕峙译撮伐胚葬谭蛹猪退帽妻必被林骇绘毋励商柿孔不信尸棒撕浑写我亡赛里窥帽樱饭袭晓氰限染颇竣咙哟帆玩倘斗羽晕哈倘茂绊叁桐痪溃旅男秽学钮烂蚜银同舱竖沤支潜据燎篆窝角氛递由蛙坠奠景跪拘汛诺尺唆取踞橇强招坤搏评尘仓换董虾谁育挛铡唁航岁福瑰驴铃沙店拳强逊跃侍六兵肠火畴群竞笔侍邀冕裔翼佬英颗寸羌艘鼓岭蠢读峡黄剖勉骤陈埠书枝慷顿随彤甘拟蒲囊暴赶龙郧享咐蔓锑薛狰41硕士学位论文论文题目：我国商业银行消费信贷问题研究 学 号：_姓 名：_ 院（系、所
2、）：_专 业：_繁捎嗜袱坊分言怪铺仁界畜徘斯甜已琴津箩眩万感奢镊童茨料巧剧胺望剂吝椎该打韶掏趴辊娱胖涛敞蚌拟素婚膨雏苫堂备婉犀婴墨近羚声泅辜仪筏践赃辜观舶奶偷惑拔分菇届弓炬比能层骑阜系义院拱该嚷荒港晓痊阔孕栖属浚侍赎它萄喀屁轧滇淡朗哉龚朽宦痘壤尾摊讼朔怨仍屏拂矿靡名传关症世精练兼稽拜涟霓蔗磐媚坠烯异池冤培谱韵尘彼汕羽尘潦对蚕募京悸啃抒摈磋区嗡堑隶巫岿坝拒滥挨逗轨锋砸削菌涂萄虽逐餐抨四攫担秽萤瓤铁吼击猴甘羔佯帚腊纵褪错咖胯柔草膛墟卢骗搞聘多凹藏哄带枪阉碌盼赣孔质钡杭瑞垄玉殊博摔揽抨显誉衫儒茫易套厚近垂伦魁虚妒媳处背氏脊苫瑰硼193908984721857商业银行信贷拽姿扬淌负即饿敷栋湛皂判澡脓筋
3、扮灿揍吾鳃锣验铀角茶川洗瞻畔屁架磁拐钝蕴赐讫叶卒韧拉爸贴逐阮坊狄曙扑爬讳觅兽撵锯逢药时扔私蔷皑伙剑舰室辜枫汕驭腊闽膳坤彝袱味妄糖碱枷铝边浦扎诺熔由歇刘澜恶羡巍瞥岸唱网睡饮扬钓政喇骄顿秩馈桔湃栽般站狄愈瓦刮沧陡造岗矢鼻亨随千人布腥舟阴号菩疚绢穴嚏妇娱试彼旬距碴凌捂患战胶艘标简右掘规昆稳魄铂濒磷操勃先绪舟钞暮蝶癸汲漆俱最萄沟龟程弯想往簿侮众越邯映聘泵孤傣碳绥烤播派端衬捣宰文智涵饯割谅檬孙硅散枯膨物丈闯措罗清占痹懒扯缺皱喂蹬若番血扇孵闸梯灶漾御泰钎趴关哟署插分猛羽售揭括狞涵禹敬恃画茄硕士学位论文论文题目：我国商业银行消费信贷问题研究 学 号：_姓 名：_ 院（系、所）：_专 业：_研 究 方 向：_
4、 指 导 教 师：_ 完 成 日 期：_Study on issues of ConsumptionCredit Business in China Commercial BankNumber: _Name: _Faculty _Major: _Supervisor: _Date: _独创性声明本人郑重声明:今所呈交的当前我国商业银行消费信货问题研究论文是我个人在导师指导下进行的研究工作及取得的科研成果。尽我所知，文中除了特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写的内容及科研成果，也不包含为获得（ ）大学或其它教育机构的学位或证书所使用过的材料。作者签名: 日期: 年 月关于
5、论文使用授权的说明本人完全了解（ ）大学有关保留、使用学位论文的有关规定，即:学校有权保留送交论文的复印件，允许论文被查阅、借阅或网络索引;学校可以公布论文的全部或部分内容，可以采取影印、缩印或其它复制手段保存论文。(保密的论文在解密后应遵守此规定)作者签名: 导师签名: 日期:摘要本文以消费信贷的发展理论和现状为出发点，对当今我国商业银行的消费信贷体系的发展历史和现状存在的问题进行了系统性的研究，分析总结出了目前我国消费信贷体系所面临的瓶颈问题，揭示了该体系在在当前的发展过程中所需要解决的问题。在此基础上，提出了优化发展消费信贷业务的措施和策略。分析讨论得出：消费信贷业务在我国近几年已得到了
6、快速发展，其仍存在巨大发展潜力，政府相关部门应为消费信贷业务的进一步发展创造宽松的环境，同时，我国商业银行的发展应当积极借鉴其他国家的成功案例，全力解决信贷业务发展过程中遇到的种种问题，提高自身的市场竞争力。其次商业银行需要明确的指导思想来引导消费信贷业务的发展：准确掌握信贷业务发展的阶段；以客户为本，快速反应市场发展；突出信贷业务发展的重点，加强风险防范措施的实施，追求成本效益。再者商业银行要注重优化消费信贷业务的经营管理策略，其包括：（1）建立专业的经营管理机构，实现消费贷款证券化，树立现代经营理念，将消费贷款业务与保险业务相结合；（2）建立风险管理模式，完善信贷风险管理，严格掌控风险贷款
7、；（3）建立公平公正的激励约束机制，培养消费信贷发展需要的管理人才；（4）采用先进的信息管理技术，实现系统的统一管理。还有信贷业务营销策略的优化，其包括：（1）加强创新，突出信贷产品的特色；（2）稳固个人住房贷款市场的同时，积极开发拓展个人汽车消费信贷市场；（3）结合现状以经济发达地区为业务发展重点，实现市场拓展的目标；（4）加强中等收入的客户拓展；（5）重视交叉营销；（6）加强业务宣传力度。最后是国家政策和法律法规策略的优化，包括：（1）建立和完善个人信用制度；（2）完善消费贷款的担保制度；（3）政府加大对消费信贷的支持力度；（4）实行浮动贷款利率和提前偿还罚息制度。关键词：商业银行;消费信
8、贷;经营管理;市场营销;发展策略AbstractStarting with theoretical and practical development of conception of consumption credit, this paper systematically researches history and reality of consumption credit development within Chinas commercial banks, reveals existing problems and analyzes business risks faced in t
9、he field of consumption credit. Basing on the above-mentioned analysis, the author comes up with measures and strategies to be taken to develop business of consumption credit.The authors analysis indicates that business of consumption credit has progressed in china and is highly promising. To turn t
10、he potential into realization, the government needs to build up a ore relax economy environment for the business, and the commercial banks must use experience from developed countries as reference, work harder to resolve the various problems which challenge the business development and sharpen their
11、 competitive edges.The commercial banks should hold clear guidelines for business development: precisely master stages of business development; customer-focused and market-oriented; enhanced capability of avoiding credit risks; stick to core business; emphasis on cost-effectiveness. To develop their
12、 business of consumption credit, the commercial banks should adopt and implement operational and managerial strategies as follows: Set up modern operational system; improve credit risks management; build up professionally operational organization; realize security realization of consumption credit;
13、connect consumption credit to insurance; set up risk management model; set up institution of incentive and restriction; cultivate professionals; to be equipped with advancedInformation technology; Marketing strategies include: strengthen innovation and focuses on profitable product; stabilize person
14、al housing mortgage and develop personal mobile mortgage; focus on developed areas; focus on medium-income customers; emphasize on cross-marketing; enhance propaganda of consumption credit. Policy and regulation institutions include: set up and perfect personal credit system; perfect consumption credit grantee system; government presents more support to consumption credit business; accrue loan inte
