Summary: In recent years， China's banking industry to improve the corporate management structure， improve the internal control system， innovative financial instruments， change their operational mechanism， establish and improve evaluation methods and achieved remarkable results in a strong impetus to consumer credit business of regulating Bank of consumer credit business in the product mix and service standards， business scale， risk control and so on are constantly improving and At the same time， commercial banks to gradually form the theme of housing loans， automobile consumption loans， consumer loans， consumer loans， student loans and other loans species composition of the total loan system and achieve the level of the scale of their However， in commercial banks based on market demand and regulatory authorities require developing consumer credit business market， the consumer credit business to accelerate product innovation， improving consumer credit business services means the same time， which implies the risk of the same can not be Therefore， in-depth study of China's existing legal and policy environment on the basis of consumer credit business development constraints， consumer credit business of the risks and control measures， to guide China's commercial banks in accordance with the law regulating the conduct of business and consumer credit Speed up the consumer credit business innovation has a positive and practical Key words: consumer credit risk measures
Market liberalization， economic development， the improvement of living standards and consumption concept of the changes so that the auto consumption credit in the rise of China quietly and gradually shown great potential and broad market prospects， caused the automobile industry， banking and insurance Industry of great China's auto consumption credit is in the early 1990s car manufacturers introduced in phases car loans based on the development of In the late 1990s， with consumer credit in China's gradual development of other consumer areas， to financial institutions and car manufacturers as the main form of joint automobile consumption credit began to After recent years of exploration， China's auto consumption credit has basically can enter the large-scale implementation Since September 1998， the central bank introduced the "automobile consumption loans Management Measures"， promulgated in April 1999， "regarding the development of individual consumption credit guidance"， the automobile credit business gradually become state-owned commercial banks to improve credit structure， optimize the quality of credit assets An important At present， the automobile consumption credit market in China has obvious trade monopoly in nature， several major commercial banks in a monopoly position， and Zichengtiji， the implementation of exclusive dealing， the competition among the banks which can not be effectively No monopoly of the market competitiveness of the car seriously hindered the development of consumer credit market， the bank's automobile credit business has not been extended， but in a shrinking In order to adapt to international competition after the XUP the need to break industrial monopolies and introducing competition mechanism， gradually opening up to foreign financial institutions to market and realize the diversification of the main operators， and cultivate a market environment of fair
