Management of Individual Consumption Credit Risk Based on Financial Ecology

Abstract:

Developing the individual consumption credit business is beneficial to the expanding domestic consumption demand, and the growing of economic. At present, there exist many limitations in the development of consumer credit business in China's commercial Banks, and risk is gradually revealed. Based on the concept of financial ecology, this paper analyzed the necessity of construction of financial ecology system to individual consumption credit risk management. Considering that financial ecology and individual consumption credit risk management has the function of mutual promotion.

• Periodical: Advanced Materials Research (Volumes 926-930)
• Pages: 3846-3849
• DOI: https://doi.org/10.4028/www.scientific.net/AMR.926-930.3846
• Online since: May 2014
• Authors: Yong Ming Pan*, Man Liu
• Keywords: Commercial Banks, Financial Ecology, Individual Consumption Credit, Risk Management (RM)

References

[1] J.N. Crook D.B. Edelman and L.C. Thomas: European Journal of Operational Research, Vol. 183 (2007) No. 3, pp.1447-1465.

[2] H. David: European Financial Management, Vol. 14 (2008) No. 5, pp.856-874.

[3] Z.Y. Tu and T. Wang: Consumer Economics, Vol. 22 (2006) No. 4, pp.38-41. (In Chinese).

[4] N.J. Xu: Financial Ecology Theory-The Challenge of Traditional Finance (Chinese Financial Press, China 2007), p.165. (In Chinese).

[5] X.Q. Liu: Modern Economic Science, Vol. 24 (2002) No. 3, pp.79-82. (In Chinese).

[6] R.J. Huang: Journal of Financial Research, (2003) No. 10, pp.92-97. (In Chinese).

[7] Q.X. Bai: An Introduction to Research of Financial Sustainable Development (Chinese Financial Press, China 2001), p.58. (In Chinese).

[8] X.C. Zhou: China Economic Weekly, Vol. (2005) No. 286, p.11. (In Chinese).

[9] L. Shen: Economic Survey, (2004) No. 1, pp.112-114. (In Chinese).

[10] G. Fan: Economic Research Journal, (1999) No. 1, pp.3-8. (In Chinese).

[11] W.Y. Zhang: Economic Research Journal, (2002) No. 1, pp.3-13. (In Chinese).

[12] G.Q. Wang: The Economic Growth and Financial Development New Stage of China (Chinese Development Press, China 2004), p.89. (In Chinese).