商业银行个人信贷业务风险管理中英文外文文献翻译2017.doc

本科毕业设计（论文） 中英文对照翻译 (此文档为word格式,下载后您可任意修改编辑!) 文献出处：Saurina J. The research on individual credit risk management of commercial banks [J]. Journal of banking Finance, 2017, 2(7): 219-231. 原文 The research on individual credit risk management of commercial banks Saurina J Abstract Since 1990 s, the rapid development of personal credit business appeared, including rising personal consumption loan balance, personal housing loan is more widely used. In credit business, personal credit business is an important means of commercial bank profits, the commercial bank personal credit business developed rapidly, which brings commercial Banks a profit at the same time, also makes the commercial Banks are faced with the increase of credit risk. Under this form, the commercial Banks how to seize the opportunity and resolving risk, to develop personal credit business and ensure the sustainable development of the business, is the problem that commercial bank presses for solution. Keywords: personal credit, credit risk, liquidity risk 1 Introduction Personal credit business to a part of the commercial bank loan business refers to the lender to the qualified natural person for personal consumption, production and business purposes of local and foreign loans. International context, since the 1990 s, as foreign Banks are for business adjustment, to adapt to the needs of the increasingly intense competition in the global banking industry. And personal credit business because of it has such advantages as low capital consumption, development of diversity, therefore is considered to be one of the commercial bank businesses and profit growth point. The development of banking industry in the developed countries during the past hundred years, the enterprise credit business has basic saturated; the competition is intense, inefficient. Personal credit business, on the other hand, the corresponding risk control measures did not keep up. Because of the personal credit business oriented indivi