摘要
在商业银行个人消费信贷业务中 ,信用风险的具体表现及现有的风险防范措施尚难以真正地保全银行资产。通过税收、审计加大个人收入监管力度 ,明确提供收入证明部门的法律责任 ;利用现代网络技术建立个人信用评估制度 ;形成以会员制为组织形式的信用联保体系 ,可以有效地防范个人消费信贷风险。
In commercial banks,capitals can't be safely ensured owing to the risks of consumer cerdit.Supervision must be strengthened in taxation and audit,which can definite the responsibility of the units who offer the consumer's income certification;Morden network technology can be used in personal credit evaluation system;Membership organizations will be the proper form of the warranty system.
出处
《现代财经（天津财经大学学报）》
2000年第4期30-31,共2页
Modern Finance and Economics：Journal of Tianjin University of Finance and Economics
