商业银行个人信贷业务风险管理中英文外文文献翻译2017

a personal credit inquiry system, the establishment of the system is not perfect enough, however, the major state-owned Banks mercial Banks has not РShared between the credit information, cause harbor RaoXing will manage borrowers in an attempt to use the information asymmetry between Banks and borrowers loopholes, in much the same bank branches or between different Banks made loans, virtual loans bad phenomenon happened. Р 译文商业银行个人信贷业务风险管理研究РSaurina J Р摘要二十世纪九十年代以来,个人信贷业务出现了迅猛发展,包括个人消费贷款余额不断上升、个人住房贷款更为普遍适用。在信贷业务中,个人信贷业务是商业银行获得利润的重要手段,商业银行个人信贷业务迅速发展起来,这在给商业银行带来了利润的同时,也使得各商业银行面临的信贷风险加大。在此形式之下,各商业银行如何抓住机遇、积极化解风险,开展个人信贷业务并保证该业务的可持续性发展,是商业银行急待解决的问题。Р关键词:个人信贷,信用风险,流动性风险Р1引言Р个人信贷业务属于商业银行贷款业务的一部分,指贷款人向符合条件的自然人发放的用于个人消费、生产经营等用途的本外币贷款。Р就国际背景来看,20 世纪 90 年代以后,随着国外各大银行纷纷进行业务调整,以适应全球银行业竞争的日益加剧的需要。而个人