请强人翻译下论文摘要 银行信贷方面的

来源：百度知道 编辑：UC知道 时间：2024/06/21 21:51:34
摘要: 近年来，我国银行业在完善公司法人治理结构、健全内控制度、创新金融工具、转换经营机制、建立健全考评办法等方面取得了显著成绩，有力的推动了消费信贷业务的规范发展。银行消费信贷业务在品种结构、服务水准、经营规模、风险控制等方面都在不断完善和提高。与此同时，商业银行逐步形成以住房贷款为主题，有汽车消费贷款，综合消费贷款、综合消费贷款，助学贷款等多种贷款品种组成的总和贷款体系，并且达到规模化经营的水平。但是，在商业银行纷纷依据市场需求和监管机关要求开拓消费信贷业务市场、加快消费信贷业务产品创新、改进消费信贷业务服务手段的同时，其中隐含的风险同样不可忽视。因此，在深入研究我国现行法律和政策环境的基础上，分析消费信贷业务发展的制约因素，探讨消费信贷业务面临的风险问题和控制对策，对指导我国商业银行依法合规的开展消费信贷业务和加快消费信贷业务创新具有积极的现实意义。

关键词：消费信贷 风险 对策

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 development. Bank of consumer credit business in the product mix and service standards, business scale, risk control and so on are constantly improving and improving. 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 operations. 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