I个人消费信贷的风险与控制摘要随着经济的发展，信贷消费成为人们物质消费的重要方式，个人消费信贷市场规模得到了快速的发展，互联网平台信贷消费活跃在人们日常消费当中，但我国个人消费信贷渗透率仍较低水平。伴随着个人消费贷的迅速发展风险应运而生，本文主要通过对个人信用体制不健全、金融机构管理薄弱、消费者个人消费意识淡薄、信贷后期处理风险较大四个方面风险进行分析，并提出相应的风险防范对策。关键词：个人消费信贷；现状；风险；对策IIPersonal Consumer Credit and Risk Analysis AdvertisingAbstract.With the development of economy, credit consumption has become an important way of people's material consumption, the scale of personal consumption credit market has been developed rapidly, and the credit consumption of Internet platform is active in people's daily consumption, but the penetration rate of personal consumption credit in China is still low. Along with the rapid development of personal consumption loan risk came into being, this paper mainly through the personal credit system is not perfect, the financial institution management is weak, the consumer personal consumption consciousness is weak, the credit post-processing risk is bigger four aspects risk analysis, and puts forward the corresponding risk prevention countermeasureKey words: Personal Consumer Credit; Current Situation; Risk; Countermeasures 目录摘要...................................................................................................................................................IAbstract............................................................................................................................................II一、绪论..........................................................................................................................................1（一）问题的提出..................................................................................................
