工商管理学院知识库

近年来，互联网金融快速发展，中国农业银行甘肃分行个人网上消费信贷顺势而为，蓬勃发展，“线上”有望成为消费信贷重要的增长极。实践发现，在网上消费信贷快速发展的同时面临着巨大的风险。研究表明，贷前存在的风险主要有：逆向选择和“共债”有效性风险；贷中存在的风险主要有：道德风险、还款意愿风险、资金违规使用；贷后存在的风险主要有：法律风险和信息安全风险。本文通过对信贷风险管理理论和方法进行研究，总结出其风险成因，从借贷者信用观念与行为因素角度分析，是由于借贷者信用意识淡薄、消费行为扭曲、预期收入下降；从市场信息不对称因素角度分析，是由于个人信用环境缺失和信息不对称因素，从信用制度因素角度分析，是由于法律制度和信用评估体系不完善。最后提出完善的支持系统、预防和处理系统以及推进金融知识普及教育工作的建议来防范中国农业银行甘肃分行个人网络消费信贷面临的风险。

In recent years, with the rapid development of Internet finance, the personal online consumer credit of Gansu Branch of Agricultural Bank of China is developing vigorously. Online is expected to become an important growth pole of consumer credit. It is found that with the rapid development of online consumer credit, there are huge risks. The research shows that the risks before loan mainly include: adverse selection and the effectiveness risk of "joint debt"; the risks in the loan mainly include: moral hazard, repayment willingness risk and illegal use of funds; the risks after loan mainly include: legal risk and information security risk. In this paper, through the study of credit risk management theory and methods, summed up the causes of the risk, from the perspective of the borrower's credit concept and behavior factors, it is due to the borrower's weak credit consciousness, distorted consumption behavior, the decline of expected income; from the perspective of market information asymmetry, it is due to the lack of personal credit environment and information asymmetry, and from the perspective of credit system factors From the perspective of element analysis, it is due to the imperfection of legal system and credit evaluation system. Finally, the paper puts forward the perfect support system, prevention and treatment system and the promotion of financial knowledge popularization education to prevent the risk of personal network consumption credit faced by Agricultural Bank of China Gansu Branch.