Analysis on the Risks of Personal Consumption Credit of Commercial Banks and the Countermeasures

In recent years, the discontinued repayment to commercial housing mortgage has brought great capital risks to all commercial banks, but the housing buyers discontinuing the repayment seem not to feel externally pressured because of the lack of honesty. From the perspective of the risk control strategies of the small and medium-sized joint-stock commercial banks, it is necessary to focus on four aspects: improving customer recognition mechanism, strengthening the internal governance structure, attaching great importance to follow-up auditing system, and developing multiple credit businesses.