[在此处键入】新疆大学毕业论文（设计）XINJIANG UNIVERSITY题目：我国商业银行个人信贷业务的发展与风险指导老师：古丽娜尔学生姓名：木叶赛尔·克兰木所属院系：经济与管理学院专业：金融班级：12-2完成日期：摘要我国商业银行的信贷业务呈现了快速发展的势头，贷款余额不断上升，个人信贷业务作为信贷业务的重要的组成部分发展更加迅速，已经进入了发展的高速成长期。当前世界各国银行业之间的竞争越来越激烈，国外各银行纷纷在进行着银行业务的战略调整。个人信贷业务由于其独有的特性，资本消耗低、利润空间大，越来越受到银行的关注。加强商业银行个人信贷风险管理研究具有重要的意本文第一章讲的是选题背景与意义：第二章讲的是我国商业银行个人信贷相关理论分析：第三章讲的是我国商业银行个人消费信贷业务的发展现状：第四章讲的是我国商业银行个人信贷业务中存在的问题：第五章讲的是控制个人信用风险发展我国商业银行个人信贷业务的对策建议，最后讲的是结论部分。关键词：商业银行：个人信贷：风险管理[在此处键入】ABSTRACTOur Country Commercial Bank Credit Business Has Been Rapid BevelopmentMomentum,Rising loans,Personal Credit Business Credit Business as Part Of anImportant Development More Rapidly,Has Entered a Period Of Rapid Growth andDevelopment.At Present,The Competition Between Banks in The World isBecoming More,and Foreign Banks are Carrying Out The Strategic Adjustment OfBanking Business.Personal Credit Business Has Attracted More and More AttentionFrom Banks Because of Its Unique Characteristics,Low Capital Consumption andLarge Profit Margins.Retail Sales Have Become The Basic Trend of The StructuralAdjustment Of Personal Credit Business.It is Of Great Practical Significance toStrengthen The Study Of Individual Credit Risk Management Of Commercial Banks.The First Chapter Is About The Bercial Bank Personal Credit RelatedTheory;The Third Chapter is About The Current Situation Of The Development OfPersonal Consumer Credit Business Of Commercial Banks in China;The FourthChapter is About The Personal Credit Business Of Commercial Banks in China;TheFifth ChapterThe Suggestions to The Development Of Personal Credit Business OfChina's Commercial Bank Personal Credit Risk Control,The Last Part is TheConclusionKey Words:Commercial Banks;Personal Credit;Risk Management