| 个人信贷业务发展及风险防范问题研究 |
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| 引用本文： | 张惠芝.个人信贷业务发展及风险防范问题研究[J].陕西行政学院学报,2005,19(3). |
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| 作者姓名： | 张惠芝 |
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| 作者单位： | 陕西省行政学院,陕西,西安,710068 |
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| 摘 要： | 个人消费贷款业务的风险,主要来自借款人的还款能力不足和借款人的还款意愿不足两大方面,严格的风险防范措施,应包括银行内部风险控制机制的建设和外部法律社会体制的配合以及风险转移体系的建设。
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| 关 键 词： | 个人消费贷款 风险防范 信贷 |
Research into the development and warding off risks about individual loans |
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| ZHANG Hui-zi.Research into the development and warding off risks about individual loans[J].Journal of Shaanxi Administration School and Shaanxi Economic Management School,2005,19(3). |
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| Authors: | ZHANG Hui-zi |
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| Abstract: | the main risks of individual consumer loans result from two factors: short of refund ability with borrower, short of refund wills with borrower.A firm set of measurements in warding off risks should construct three systems: risk management system inside banks, social law system out side banks and risk transferring system. |
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| Keywords: | individual consumer loans ward off risks credit loan |
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