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1、..东北财经大学成人高等教育专（本）科毕业论文昆明个人消费信贷风险防范与对策探析——从银行角度作者朱丽玲层次专起点（本）科专业电算化会计年级2013学号办学形式函授办学地点云南指导教师成绩....摘要随着互联网金融的不断发展，个人消费开始呈现逐年上升趋势，在政府控制非常长“零增长”背景之下，在总消费增量里个人消费占据相当大的比重，这与个人收入快速增长有直接的关系。2015年个人消费支出就占国内生产总值贡献率的51.2%，同比增长达到8%；“双11”主流电商销售额突破1500亿元，仅淘宝平台销售额就达到912亿人民币
2、，同比增长43.2%。说明个人消费有巨大的市场空间，根据个人消费情况，淘宝适时推出“蚂蚁花呗”、京东推出“京东白条”，率先以垫付的方式打开个人消费虚拟信贷市场。但由于额度的限制，对于个人生活大件则需要依赖商业银行贷款解决，也为商业银行个人消费信贷业务带来新的发展契机。但由于国内个人消费信贷业务起步于90年代，发展时间相对较晚，加之国民征信体系不够完善，仅仅依靠申报和审核很难规避现实风险。本文选择昆明市做为研究对象，从其个人消费信贷风险管理现状入手，围绕个人信用、风险防范、银行自身以及信用评分等方面存在的问题，研究制
3、定相应的对策，力求为降低昆明市个人消费信贷风险进行有益的理论探索。关键词：昆明市个人消费信贷风险....AbstractWiththecontinuousdevelopmentoftheInternetfinancial,personalconsumptionbegantoshowrisingtrendyearbyyear,thegovernment'scontrol,verylong"zerogrowth"background,personalconsumptionintotalconsumptionincrem
4、entoccupyaconsiderableproportionof,withtherapidgrowthofpersonalincomehasadirectrelationship.In2015,personalconsumptionexpenditurewillaccountfor51.2%oftheGDPcontribution,year-on-yeargrowthof8%."Double11"mainstreamelectricitysalesreached150billionyuan,onlytaobao
5、platformsalesreached91.2billionyuan,up43.2%fromayearearlier.Personalconsumptionhasahugemarketspace,accordingtothepersonalconsumptionsituation,taobaolaunched"antsspendbai",jingdongtimelylaunch"jingdongwhite",thefirstopenvirtualpersonalconsumptioncreditmarketint
6、heformofpayment.Butbecauseofthelimitationofquotaforpersonallifebigrelyoncommercialbankloans,personalconsumptioncreditbusinessofcommercialBanksalsobringnewdevelopmentopportunity.Butasaresultofdomesticpersonalconsumptioncreditbusinessstartedinthe90s,thedevelopme
7、nttimeisrelativelylate,togetherwiththenationalcreditsystemisnotperfect,justrelyonthedeclarationandauditriskishardtoavoidreality.Choicekunmingcityastheresearchobjectinthisarticle,fromthecurrentsituationofpersonalconsumercreditriskmanagement,personalcredit,riskp
8、revention,theBanksthemselves,andtheproblemsexistingintheaspectssuchascreditscore,studyandformulatethecorrespondingcountermeasure,strivestoreducethepersonalconsumptioncreditriskinku
