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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，同比增长43.2%
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，研究制定相应的对策，力求为降低昆明市个
3、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AbstractAbstractWiththecontinuousdevelopmentoftheInternetfinancial,personalconsumptionbegantoshowrisingtrendyearbyyear,thegovernment'scontrol,verylong"zerogrowth"background,personalconsumptionintotalconsumptionincrementoccupyaconsider
4、ableproportionof,withtherapidgrowthofpersonalincomehasadirectrelationship.In2015,personalconsumptionexpenditurewillaccountfor51.2%oftheGDPcontribution,year-on-yeargrowthof8%."Double11"mainstreamelectricitysalesreached150billionyuan,onlytaobaoplatformsalesreached91.2
5、billionyuan,up43.2%fromayearearlier.Personalconsumptionhasahugemarketspace,accordingtothepersonalconsumptionsituation,taobaolaunched"antsspendbai",jingdongtimelylaunch"jingdongwhite",thefirstopenvirtualpersonalconsumptioncreditmarketintheformofpayment.Butbecauseofth
6、elimitationofquotaforpersonallifebigrelyoncommercialbankloans,personalconsumptioncreditbusinessofcommercialBanksalsobringnewdevelopmentopportunity.Butasaresultofdomesticpersonalconsumptioncreditbusinessstartedinthe90s,thedevelopmenttimeisrelativelylate,togetherwitht
7、henationalcreditsystemisnotperfect,justrelyonthedeclarationandauditriskishardtoavoidreality.Choicekunmingcityastheresearchobjectinthisarticle,fromthecurrentsituationofpersonalconsumercreditriskmanagement,personalcredit,riskprevention,theBanksthemselves,andtheproblem
8、sexistingintheaspectssuchascreditscore,studyandformulatethecorrespondingcountermeasure,strivestoreducethepersonalconsumptioncreditriskinku
